Buying personal injury insurance could protect your assets if someone else files a lawsuit against you for psychological damages. Meanwhile, personal liability insurance will protect you against claims for physical damages.
<h3>What is
physical damages?</h3>
Physical Damage is defined as any tangible injury to a property caused by an accident, natural occurrence, or any other reason, including damage caused by construction defects, land subsidence, earth movement or slippage, fire, flood, earthquake, riot, vandalism, or any Environmental Condition.
Mechanical trauma, heat and cold, electrical discharges, pressure changes, and radiation all cause physical injuries. Mechanical trauma is defined as an injury to any part of the body caused by a blow, crush, cut, or penetrating wound.
A physical effect on Covered Property, such as a deformation, permanent change in physical appearance, or other manifestation of a physical effect, is considered direct physical loss or damage.
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