Some substances are more toxic than others. The toxicity of a substance is described by the types of effects it causes and its potency. 1  Types of Effects: Different chemicals cause different effects.
I think I remember reading that injured means bruises and lascerations, seriously injured meant hospital but not life threatening, critically injured meant hospital ICU time and fatally injured meant injuries leading to dying sometime later.
Physical Damage Coverage. Physical Damage is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage (CAC) insurance.