Which term refers to any physical injury to a person, including sickness, disease, and death?

The term that refers to any physical injury to a person, including sickness, disease, and death, is Bodily Injury (BI). Bodily Injury encompasses a wide range of physical harm that an individual may experience, making it a crucial term in the context of insurance and liability. It is important for adjusters to understand this term as it plays a significant role in the claims process, particularly in cases involving personal injury lawsuits.

By recognizing Bodily Injury as encompassing not just visible injuries but also illnesses and fatalities, adjusters can better assess claims and determine appropriate compensation. This understanding allows for a more accurate evaluation of the impacts on the injured party, including medical expenses, lost wages, and suffering associated with their injuries.