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In insurance terms, personal injury refers specifically to non-physical harm that an individual may suffer, often involving legal implications. This category includes actions that harm someone's reputation or emotional well-being, such as libel (written false statements) and slander (spoken false statements). These forms of defamation typically lead to lawsuits where the injured parties seek damages for the harm done to their reputation.

The other options do not fit within the definition of personal injury as understood in the context of insurance. Property damage pertains to the harm or destruction of physical assets, vehicle accidents involve physical injury and property damage related to vehicles, and natural disasters refer to catastrophic events causing widespread damage but do not specifically relate to personal injury in the legal sense. Hence, libel and slander distinctly represent the concept of personal injury, making it the correct answer in this context.