What term refers to bodily harm, sickness, or disease, including resulting death?

Bodily injury is the correct term in this context as it specifically refers to physical harm inflicted on a person, which includes bodily harm, sickness, and disease, as well as any resulting death. This definition is comprehensive and aligns with legal and insurance terminology that pertains to injuries incurred by individuals.

In insurance policies, bodily injury coverage is crucial because it protects against claims that assert a person’s physical well-being has been compromised, leading to a variety of potential legal and financial ramifications. This distinction is important for understanding insurance policies, liability coverage, and the scope of protection provided in personal auto policies.

The other terms, such as personal injury, may overlap in meaning but often pertain to a broader spectrum of damages, including emotional distress or reputational damage, which are not solely about physical harm. Physical harm and medical ailment would not encompass the full range of experiences considered under bodily injury in insurance parlance. Therefore, understanding the precise meaning of bodily injury is essential in the context of personal auto insurance.