In Mrs. Innes's accident, what type of injury is her broken arm classified as in the personal auto policy?

In the context of a personal auto policy, a broken arm is classified as a bodily injury. This classification encompasses physical injuries sustained by a person as a result of an automobile accident. Bodily injury typically refers to injuries that cause physical harm to a person, which includes conditions like fractures, lacerations, or any form of impairment.

This classification is important because it affects how claims are processed and what types of coverage might apply. Bodily injury liability coverage specifically deals with the costs associated with injuries caused to others in an accident, including medical expenses, lost wages, and sometimes pain and suffering. Understanding this distinction helps clarify the responsibilities and protections provided under auto insurance policies.

The other classifications, such as property damage, refer specifically to damage to vehicles or other physical property rather than physical injuries to individuals. Collision usually describes a type of coverage that pays for damage to your own vehicle resulting from a traffic accident. Personal injury is a broader term that can sometimes refer to various types of non-physical injuries, which do not apply to Mrs. Innes's situation.