Emotional distress refers to the mental anguish or suffering experienced by an individual as a result of an insured event. This can include feelings of anxiety, fear, depression, or other psychological harm.
Insurance policies often include provisions that cover emotional distress as a consequence of physical injury or property damage. For example, if an insured person is involved in a car accident and ocassionates both physical injuries and emotional trauma to a third-party, they may be eligible for compensation for both types of damages. However, the specific coverage for emotional distress can vary depending on the type of insurance policy and the jurisdiction.
It’s important to note that emotional distress coverage may vary depending on the specific policy and the circumstances of the claim. Insurance companies often require proof of the emotional distress, such as a diagnosis from a mental health professional.
At PSIC, we understand that accidents can have a profound impact not only on your physical well-being but also on your mental health. That’s why we offer additional personal injury coverage as an optional add-on to your Homeowners, Renters, Condo, and Motorcycle insurance policies, among others.
With this coverage in place, we’ll provide financial protection if you or a family member are found legally responsible for causing emotional distress to a third party. This means that if your actions or the actions of your family members result in someone experiencing significant emotional trauma, we’ll help cover the costs associated with their mental health treatment and recovery.
For example, if your dog accidentally bites a neighbor’s child, causing them to develop severe anxiety and fear of animals, this coverage could help compensate the child’s family for the emotional distress they’ve endured.
We believe that emotional distress is just as real and debilitating as physical injury, and it’s important to have the right insurance in place to protect yourself and your loved ones from its financial consequences.
Need More Help?
If you couldn’t find what you were looking for, remember that at PSIC we have an available AI assistant!
Learn more about insurance in the resources section. Find safety tips, money-saving options, do’s & don’ts, news, and much more information.
Get monthly news and useful insights by subscribing to our monthly newsletter.
By submitting this form you confirm that you agree to PSIC’s privacy policy.
With more than 40 years of trajectory, we have the expertise to accompany you in every stage of your life.
5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807
Copyright © McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
Privacy Notice at Collection for CA employees
Last updated: June 27, 2023
We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.
Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.
Categories of Personal Information Collected
Purposes for Collecting and Using Your Personal Information
Managing Human Resource Functions:
Conducting business operations:
Monitoring:
Compliance with:
Investigating:
We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.
When it is no longer necessary to retain your personal information, we will delete or anonymize it.