Which of the following best defines bodily injury?

• A. Physical harm, sickness, or disease including care, loss of services, and resulting death
• B. Damage to property
• C. Pure economic loss
• D. Emotional distress alone

Answer: (A)

Bodily injury in liability terms means physical harm to the body. This includes sickness or disease and covers the medical care you need, any loss of the person’s ability to perform usual activities (loss of services), and even death resulting from the injury. This definition focuses on harm to a person, not on damage to property or purely financial losses, and it recognizes that medical treatment and ongoing care are part of the injury’s consequences. Emotional distress alone isn’t bodily injury unless there is accompanying physical harm. That broader phrase—physical harm, sickness, or disease including care, loss of services, and resulting death—best captures what bodily injury encompasses.