What type of coverage does Personal Injury Coverage exclude?

Personal Injury Coverage is designed to provide protection against specific non-physical harms that might impact an individual’s reputation or well-being. It typically includes coverage for offenses such as defamation, invasion of privacy, and wrongful eviction.

Claims for physical damage fall outside the scope of this type of coverage because Personal Injury Coverage focuses on the psychological and reputational aspects of personal injuries rather than tangible physical harm. Physical damage is usually encompassed within other types of insurance coverage, like liability or property coverage, which deal directly with bodily injury and property damage. Thus, identifying claims for physical damage as an exclusion clarifies the boundaries of what Personal Injury Coverage is intended to address.