What is covered under bodily injury in insurance terms?

Bodily injury coverage in insurance terms is primarily concerned with physical harm or injury sustained by an individual. This coverage typically addresses medical expenses, rehabilitation costs, and other associated expenses resulting from an accident or injury. Therefore, the correct answer, which highlights direct damage to a person's body, encapsulates the essence of what bodily injury coverage entails; it seeks to protect against the financial ramifications of injuries inflicted on individuals.

The other options do not align with the definition of bodily injury. For instance, property loss due to theft pertains to property insurance rather than bodily injury coverage. Loss of wages due to an accident, although it can be related to the effects of bodily injury, specifically focuses on lost income rather than the physical injury itself. Lastly, injury claims made against the insurance company reference potential liabilities or claims related to coverage, which is outside the scope of bodily injury and speaks more to liability considerations. Thus, the emphasis on direct damage to a person's body clearly defines the core principle of bodily injury insurance coverage.