“Bodily injury” and “personal injury” are two separate concepts, although both labels can apply to the same injury in many cases. “Personal injury” is a legal term that specifically refers to a claim made by an injured individual that another party is responsible for their injuries, such as through their negligence or misconduct. “Bodily injury,” on the other hand, is defined as any injury to the body (i.e., a physical injury rather than a purely mental or emotional one).