Mississippi Property & Casualty Practice Exam

What term describes injuries, sickness, disease, and death arising out of injury or disease?

1. Bodily injury

2. Personal injury

3. Property damage

4. Compensatory damages

The correct answer is: Bodily injury

The term that accurately describes injuries, sickness, disease, and death arising out of injury or disease is bodily injury. This term is widely used in the context of insurance and legal frameworks to refer specifically to physical harm to a person’s body. Bodily injury encompasses a broad range of physical injuries caused by various incidents, such as accidents, fights, or medical malpractice. In insurance policies, coverage for bodily injury often includes medical expenses, lost wages, and compensation for pain and suffering due to these physical injuries. Understanding this term is crucial for distinguishing it from other related legal and insurance terms. For instance, personal injury typically refers to non-physical harm, like defamation or emotional distress, while property damage pertains specifically to damage to an individual's possessions. Compensatory damages, on the other hand, relate to the monetary compensation awarded to an injured party but do not define the type of injury itself. Bodily injury is the most direct and applicable term when discussing physical harm sustained by an individual.