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Personal Injury

What Does Personal Injury Mean?

Personal injury refers to non-physical harm or injuries that a person may suffer due to the negligent or intentional conduct of another person. This can include defamation, slander, invasion of privacy, false imprisonment, discrimination, harassment, and other types of emotional or reputational damages.

 

Personal injury lawsuits seek financial compensation, known as a personal injury settlement, for the damages suffered. This compensation may cover various aspects, including medical expenses, loss of income, pain and suffering, emotional distress, and other harm caused by the injury. Litigation is often involved in resolving personal injury cases.

 

Personal injury coverage is an additional insurance that may be included in certain types of protections, such as general liability insurance, through an endorsement.

How Does Personal Injury Work at PSIC?

In PSIC, personal injury endorsement protects you by covering expenses from claims related to defamation, slander, wrongful eviction, and other threats, including legal fees.

 

It extends the liability limit in your main insurance policy, providing extra protection. While liability coverage usually includes physical injuries or property damage to others, this extension also adds non-physical harm or emotional distress caused by you or an additional insured.

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Learn more about insurance in the resources section. Find safety tips, money-saving options, do’s & don’ts, news, and much more information.

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There isn’t a right or wrong choice of coverage, all it has to do is fit your needs. DP1 Insurance provides basic protection of your property from a detailed list of perils, DP3 Insurance offers a broader scope of coverage, except for a few perils, also mentioned in your policy.

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What is DP3 Insurance?

DP3 Insurance, also known as Special Dwelling Insurance or Open Peril Insurance, is a protective buffer for your rented, primary owner occupied or seasonal property. It’s specifically designed to keep your home and assets safe with an open peril policy, covering a wide scope of potential risks, with a few exceptions.

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