In liability insurance, what is included in "bodily injury" coverage?

"Bodily injury" coverage in liability insurance specifically pertains to coverage for physical injury that results from the actions of the insured. This can include injuries sustained by others in an accident for which the insured is found to be liable. This coverage is designed to address the costs associated with medical expenses, pain and suffering, and other losses incurred by the injured party.

The other options represent important aspects of insurance coverage but do not fall under the definition of "bodily injury." Reimbursement for lost wages pertains to compensation for income loss due to injury, which could be a component of bodily injury claims but is not classified as "bodily injury" itself. Coverage for property damage relates to damage to physical property rather than personal injury. Medical payments regardless of fault refer to a separate component often found in health insurance or auto insurance, which provides coverage for medical expenses without needing to establish fault in an accident scenario. Thus, the definition of "bodily injury" distinctly relates to physical harm or injury directly resulting from the insured's actions.