Other Than Life (OTL) Practice Exam 2026 – All-In-One Guide to Exam Success!

Personal injury coverage is specifically designed to protect individuals from claims related to non-physical injuries, including those associated with libel, slander, defamation, and invasion of privacy. This type of coverage focuses on harm that does not necessarily result in a physical injury but can still have serious legal implications and consequences for the insured.

For instance, if someone falsely accuses another person in a way that harms their reputation, the injured party may pursue a legal claim for damages, which could be covered under personal injury protection. This kind of coverage is an essential component of liability insurance, addressing the nuances of personal harm that can directly affect an individual's reputation and well-being without involving physical injury.

Other options, while relevant to the overall concept of insurance, do not align with the specific focus of personal injury coverage. Bodily harm from accidents pertains to physical injuries and is typically covered under different types of liability or accident insurance. Emotional distress might arise from various situations, including those that could lead to personal injury claims, but it is not exclusively what personal injury coverage protects against. Finally, property damage is a distinctly separate aspect that usually falls under property liability coverage rather than personal injury.