The use of "bodily injury" and "personal injury" interchangeably is because many lack the deep understanding of both phrases. While they are both referred to as harms suffered by someone, personal injury is more of the legal conclusion, Joe Lemus says. Moreover, while they can be used interchangeably in casual conversation, the terms have different legal implications. Joe added that understanding the difference can be important in legal proceedings, especially when determining the types of damages or insurance coverage that is appropriate.