Personal Injury Liability

Definition - What does Personal Injury Liability mean?

Personal injury liability is a situation in which one is thought responsible for physical harm to another person. As a result, the latter party may sue for damages, such as medical bills, lost wages as result of the injury, and mental anguish due to pain and suffering. Personal injury liability covers physical harm to another person, not damage to their property.

Insuranceopedia explains Personal Injury Liability

Many types of insurance policies offer coverage for personal injury liability. For example, an auto policy may cover accidents in which the policy holder injures another, while a homeowner's policy may cover injuries that occur on the holder's property, such as someone tripping over a crack in the driveway,

Depending on the coverage, the insurance company might pay to settle the lawsuit as well as the legal costs. However, there are limits to the amount, and certain exclusions apply, including injuring another person while engaging in an illegal act.

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