Question

Which of the following statements best describes how a policy that uses the "accidental bodily injury" definition of an accident differs from one that uses the "accidental means" definition?

A. The cause of the injury.
B. The severity of the injury.
C. The location of the injury.
D. The intent of the insured.

Answer 1

A policy that uses the "accidental bodily injury" definition of an accident determines an accident based on the cause of the injury, while a policy that uses the "accidental means" definition determines an accident based on the specific means or actions that caused the injury.

Step-by-step explanation:

A policy that uses the "accidental bodily injury" definition of an accident determines an accident based on the cause of the injury. If an injury occurs by accident, regardless of the intention, it is considered an accident. On the other hand, a policy that uses the "accidental means" definition of an accident determines an accident based on the specific means or actions that caused the injury.

For example, let's say someone accidentally slips and falls. If the insurance policy uses the "accidental bodily injury" definition, the cause of the injury (slipping and falling) would classify it as an accident. However, if the policy uses the "accidental means" definition, the specific means or actions of slipping and falling would be considered accidental.