Final answer:
The Common Disaster Clause is a legal provision that determines the order of death to address inheritance issues when multiple related individuals die simultaneously or under circumstances where the order cannot be clearly established.
Step-by-step explanation:
The Common Disaster Clause, also known as the Simultaneous Death Act, is a legal provision that determines the order of death when individuals, typically with closely related interests such as spouses or family members, die in a common accident.
The purpose of this provision is to address issues related to inheritance and succession that might arise when it cannot be determined who died first. Contrary to one of the options provided, the Common Disaster Clause does not apply exclusively to accidental deaths but to any situation where the order of death is unclear or simultaneous.
The clause certainly does not exclude coverage for common disasters, rather it helps to manage the legal ramifications of a common disaster involving the death of individuals.