Under the PAP, which of the following is not included in the definition of bodily injury?

The correct choice, which identifies loss of use as not included in the definition of bodily injury under the Personal Auto Policy (PAP), is valid because "bodily injury" specifically refers to physical harm or injury to a person's body, which encompasses aspects such as pain and suffering, physical injuries, and disfigurement.

In insurance terms, "bodily injury" typically covers immediate physical afflictions and their consequences, such as emotional distress that arises from physical injury. However, "loss of use" is generally categorized as property damage rather than bodily injury. This means that while a person may endure suffering from the inability to use a body part due to a physical injury, the concept of loss of use itself does not fall under bodily injury but rather pertains to the impairment or inability to utilize parts of a physical object or body. Therefore, the definition of bodily injury is confined to those injuries that result in direct physical harm rather than the non-physical consequence of not being able to use body functions.