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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.
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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Copyright © 2023 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.