What does the Personal Injury Endorsement modify in a coverage policy?

The Personal Injury Endorsement modifies the definition of bodily injury within a coverage policy. This endorsement is specifically designed to expand the scope of coverage beyond traditional bodily injury claims to include personal injury claims. Personal injury typically encompasses non-physical injuries such as defamation, invasion of privacy, and false arrest, which fall outside the standard definition of bodily injury.

By clarifying and broadening the definition through this endorsement, insurance policies can provide coverage for claims that might not otherwise qualify under the standard bodily injury provisions. This ensures that insured parties have appropriate protection against various types of personal injury lawsuits, which are increasingly common in today's litigious environment.

Other options presented do not accurately reflect the modifications made by the Personal Injury Endorsement. For instance, while pain and suffering may relate to bodily injury claims, the endorsement itself does not specifically address limits for these types of damages. Similarly, it does not alter the requirements for proving damage claims or the exclusions regarding personal property damage, which are distinct from concerns about personal injury.