Bodily Injury (BI) is defined as which of the following?

• A. Physical harm and includes sickness or disease or death resulting there from
• B. Financial loss from injuries
• C. Damage to property only
• D. Loss of use of property

Answer: (A)

Bodily Injury means actual physical harm to a person, including sickness or disease and even death resulting from that harm. This focuses on the body and health, not on property or money. In liability coverage, BI covers injuries to people caused by the insured, while separate coverages handle other types of loss.

The other options describe outcomes that aren’t bodily harm: financial loss from injuries refers to monetary damages rather than the physical injury itself; damage to property concerns only property damage; and loss of use of property also relates to the property's condition, not a person’s body.

So the best fit is the definition that highlights physical harm to a person, including illness, disease, or death resulting from that harm.