Which of the following best defines bodily injury liability?

Bodily injury liability is best defined as liability for physical harm caused to another person, including costs related to medical expenses, lost wages, and other related damages. This coverage is a critical component of many personal lines insurance policies, particularly in auto insurance. It helps protect the insured from financial loss if they are found legally responsible for injuring someone else in an accident.

The comprehensive nature of bodily injury liability means it encompasses a wide range of potential damages resulting from the injury, not just immediate medical costs but also future earnings lost due to an inability to work, along with pain and suffering claims. This broad definition ensures that individuals and families affected by accidents can receive appropriate compensation for their losses.

The other options do not capture the full scope of bodily injury liability. Some options may focus on very specific or limited aspects of liability, while others may refer to insurance types that do not align with the comprehensive coverage provided under bodily injury liability.