Final answer:
Option 3 - The accidental bodily injury definition includes injuries caused by accidents that are not intentional, while the accidental means injury definition includes injuries caused by accidents that are intentional.
Step-by-step explanation:
The statement that best describes how a policy using the "accidental bodily injury" definition of an accident differs from one that uses the "accidental means injury" is option 3: The accidental bodily injury definition includes injuries caused by accidents that are not intentional, while the accidental means injury definition includes injuries caused by accidents that are intentional.
An accidental bodily injury definition considers any injury resulting from an accident, regardless of intent. For example, if someone falls and breaks their arm while walking, it would be considered an accidental bodily injury.
On the other hand, an accidental means injury definition only includes injuries that occur as a result of unintentional accidents. If someone intentionally injures themselves, it would not be covered under this definition.