In insurance, "personal injury," as normally characterized, does exclude mental injury that occurs as a result of slander, false arrest or imprisonment, or malicious prosecution. Despite the general distinction between real injury and personal injury in insurance contracts, accident coverage known as personal injury security does cover restorative expenses from substantial injury. This sort of insurance is accessible in some states, yet not others. In the United States, for government taxes payable to the IRS, the cash granted in a personal injury settlement as compensation for torment and suffering, restorative expenses and property harm is not conventionally asses-able. Where a psychological injury arises from a physical injury—as with a horrendous mind injury caused by an auto collision—accident protection policies typically cover the injury.