Bodily injury

Injury, sickness or disease sustained by a person, including death resulting therefrom. Personal accident policies cover bodily injury caused ‘by accidental, violent and visible means solely resulting in death or disablement’. Post traumatic stress disorder may amount to bodily injury, particularly where bodily harm has also occurred or where the policyholder has been in an accident. Public liability insurers cover legal liability for bodily injury but some use the term personal injury and define it as including ‘illness’. ‘Injury to feelings’ is clearly contemplated by insurers covering liability due to wrongful arrest or false imprisonment or similarly specified events.