Bodily injury is any physical harm to a person, including bruising, fractures, concussion, or other injury outcomes that can lead to medical and legal claims.
Claims and coverage logic
Liability policies often define bodily injury as an insurable peril outcome, with coverage for medical expenses, lost earnings, and legal liability if applicable. The exact trigger depends on policy wording and whether there is intent, negligence, and causation.
Underwriting and controls
Insurers rate bodily injury exposure through industry, traffic safety controls, limits sought, and loss history. Higher frequency/ severity patterns can drive underwriting restrictions and deductibles.
Example
In a slip-and-fall case, bodily injury severity depends on treatment length and impairment duration. Claims teams classify medical expenses, disability time, and settlement value under policy terms.