Bodily Injury (BI) includes bodily harm, sickness, or disease, including resulting death. Bodily Injury in P&C insurance (like in auto insurance) refers to the other person’s injury – who suffers injury because of the insured. Like if A has car insurance and A, while driving his car, hits B, and B gets injured, then BI means injury to B and the insurance of A has to pay for B’s medical expenses. Bodily injury liability coverage helps pay for another person’s expenses if you injure them in a car accident. This type of coverage typically helps cover someone else’s medical bills.