What constitutes personal injury in liability terms?

In liability terms, personal injury specifically refers to non-physical injuries that cause harm to an individual's reputation or privacy. This includes various forms of harm such as defamation, slander, libel, invasion of privacy, and emotional distress. These types of injuries can lead to legal claims where the injured party seeks compensation for the damages imposed on their personal and social standing. This concept is distinct from physical injuries or property damage, which are considered in different categories of liability.

Physical injuries resulting from an accident, financial losses from theft or fraud, and accidental harm to property fall under different aspects of liability, such as bodily injury and property damage, rather than personal injury. Thus, the recognition of personal injury primarily encompasses harm to one's reputation or privacy and is essential in the context of liability insurance, where claims based on such injuries can arise.