Texas Property and Casualty License Practice Exam

Which of the following best describes bodily injury?

1. Injury to property due to negligence

2. Injuries including pain and suffering

3. Damage to a person's reputation

4. Loss of income due to an accident

The correct answer is: Injuries including pain and suffering

Bodily injury encompasses physical injuries to an individual, which can also include emotional distress and psychological aspects, often referred to collectively as pain and suffering. This definition captures a wide range of physical harm, from minor injuries to serious or even fatal injuries resulting from an incident. It recognizes that injury is not just about physical damage but also the pain and emotional trauma that accompany such harm. In contrast, the other options reflect different concepts. Damage to a person’s reputation fits under defamation or personal injury rather than bodily injury. Loss of income due to an accident is a type of economic damage, which can arise from bodily injury but is not a description of bodily injury itself. Finally, injury to property due to negligence pertains to property damage rather than the physical harm experienced by individuals. Understanding the breadth of what constitutes bodily injury is crucial in the context of insurance claims and liability.