What does personal injury liability cover?

Personal injury liability specifically addresses claims for damages related to non-physical injuries that an individual may cause to another person. This coverage includes torts such as defamation (both slander and libel), invasion of privacy, false arrest, and emotional distress. These types of injuries can have significant impacts on a person's reputation or emotional well-being but are distinct from bodily injuries that relate to physical harm.

In contrast, the other options focus on aspects of liability that do not fall under personal injury liability. Claims for physical injuries resulting from an accident pertain to bodily injury liability, while claims related to car accidents would also likely fall under bodily injury or collision coverage, not personal injury. Property damage, on the other hand, relates to damage or loss of another individual's possessions rather than personal injury claims. Understanding these distinctions is vital for navigating the complexities of liability coverage in insurance.