What does personal injury coverage protect against?

Personal injury coverage is specifically designed to protect individuals against claims related to non-physical injuries. This includes issues such as defamation, invasion of privacy, and emotional distress. Unlike typical liability coverage that focuses on bodily injuries or property damage, personal injury coverage addresses the impact of damage to an individual’s reputation or emotional well-being, which can arise from various actions such as libel, slander, or false arrest.

Therefore, this type of coverage is crucial for individuals or businesses that may be at risk of facing lawsuits related to these sensitive and often complicated matters. It allows the insured party to seek support and financial protection against these types of claims, which can often lead to significant legal expenses and potential settlements.