Coverage I covers personal and advertising injury. Which of the following is an example of personal injury?

Coverage I covers personal and advertising injury. Which of the following is an example of personal injury?

• A. False arrest, detention, or imprisonment
• B. Malicious prosecution
• C. Wrongful eviction
• D. All of the above

Answer: (D)

Personal injury coverage protects against nonphysical harms that infringe a person’s rights or reputation, not bodily harm. False arrest, detention, or imprisonment involves unlawfully depriving someone of their liberty, which is a classic personal injury. Malicious prosecution is the improper use of the legal system to bring unfounded charges, another recognized personal injury. Wrongful eviction involves interfering with a person’s possession or occupancy rights, also treated as personal injury. Because each of these scenarios fits the category of personal injury, the correct choice is all of the above.

Personal injury coverage protects against nonphysical harms that infringe a person’s rights or reputation, not bodily harm. False arrest, detention, or imprisonment involves unlawfully depriving someone of their liberty, which is a classic personal injury. Malicious prosecution is the improper use of the legal system to bring unfounded charges, another recognized personal injury. Wrongful eviction involves interfering with a person’s possession or occupancy rights, also treated as personal injury. Because each of these scenarios fits the category of personal injury, the correct choice is all of the above.