Which of the following is NOT covered by personal injury liability?

Personal injury liability insurance is designed to cover non-physical injuries that can cause harm to an individual's reputation, privacy, or emotional well-being. This includes situations such as defamation of character, invasion of privacy, and emotional distress resulting from slander, all of which are covered under personal injury liability policies.

In the context of the question, physical injury in a car accident falls under bodily injury liability rather than personal injury liability. Bodily injury liability specifically addresses physical harm or injury that occurs to another person as a result of an accident. This distinction is key: personal injury liability deals with non-physical aspects of harm, while bodily injury liability covers situations involving physical injuries. Therefore, identifying physical injury in a car accident as the choice not covered by personal injury liability is correct and aligns with the definitions and scope of these types of insurance coverage.