A personal injury is any injury that was caused by someone else’s wrongful actions. Those wrongful actions can be crimes, but more often, they are actions caused by negligence, a legal term for failure to take reasonable actions to protect others from foreseeable harm. For example, a driver who causes an accident by playing with a cell phone would be guilty of negligence. So would a school that fails to provide enough emergency exits to safely evacuate during a fire. Personal injuries include physical injuries, the physical pain and emotional trauma they cause, and all of the financial costs of the wrongful behavior.