When most people hear the term personal injury, they think of car accidents or physical injuries. In insurance, however, personal injury often means something very different.
Personal injury liability coverage helps protect you if you are accused of non-physical harm, such as damaging someone’s reputation or violating their privacy.
What Is Personal Injury Coverage?
Personal injury liability coverage is designed to protect you against claims involving non-bodily injuries, including:
- Defamation (libel or slander)
- False arrest or detention
- Malicious prosecution
- Invasion of privacy
- Wrongful eviction or wrongful entry (commonly for landlords)
This coverage is typically included in homeowners, renters, and umbrella insurance policies, but it is not always automatic and may vary by carrier.
Real-Life Examples of Personal Injury Claims
Personal injury liability claims can come from everyday situations, such as:
- A social media post that someone claims harmed their reputation
- A negative review that results in a defamation allegation
- A landlord accused of wrongful eviction
- Someone claiming their privacy was violated
Even if a claim is unfounded, legal defense costs alone can be expensive.
Why Personal Injury Coverage Is Important
Defending yourself against a personal injury claim can cost thousands of dollars in legal fees. Personal injury liability coverage can help by:
- Covering attorney and court costs
- Paying settlements or judgments (up to policy limits)
- Protecting your personal assets
- Providing peace of mind in an increasingly litigious world
With the rise of online reviews, social media, and digital communication, personal injury claims are becoming more common.
Is Personal Injury the Same as Bodily Injury?
No — and this distinction is important.
- Bodily injury refers to physical harm, such as injuries from accidents
- Personal injury liability refers to non-physical harm, such as defamation or privacy violations
Many insurance policies treat these as separate coverages.
Do You Have the Right Coverage?
Not all insurance policies include personal injury liability coverage, and coverage limits can vary. An umbrella policy often provides broader protection and higher limits for personal injury claims.
Reviewing your policy now can help ensure you’re protected before a claim ever happens.
We’re Here to Help
Personal injury liability coverage can be confusing, but you don’t have to figure it out alone. Our team can help you review your policy, explain what’s covered, and make sure you have the right protection in place.
Contact us today to review your personal injury liability coverage and protect yourself from costly legal claims.