Which of the following best describes how a policy that uses the accidental bodily injury definition of an accident differs from one that uses the accidental means definition?
Asked by: Blanche Heller IV | Last update: July 22, 2025Score: 4.3/5 (69 votes)
What is the difference between accidental means and accidental bodily injury?
Only the result need be accidental. Contrast with Accidental Means. Unexpected or undesigned cause of an accidental bodily injury. Under a definition of accidental means, the mishap itself must be accidental, not just the resulting injury.
Does an accident and health insurance policy defines an injury as bodily injury by accidental means?
Final answer: For an injury to be covered under an accident and health insurance policy defined as "bodily injury by accidental means," it must result from unforeseen circumstances. This condition best meets the policy's requirement by highlighting the accidental, unexpected nature of the injury.
What is the difference between accident and accidental?
There is no disagreement as to the meaning of "accident," "acci- dental," and "accidental injuries." "Accident" and "accidental" both mean that which happens by chance, without intention or design, and which is unexpected, unusual and unforeseen.
Which of the following statements best describes what the legal action provision of an accident?
The Legal Actions provision in an Accident and Health policy specifies the time period within which an insurer can take legal action after submitting Proof of Loss. Of the provided options, number 3 is correct. An insured must wait at least 60 days after Proof of Loss has been submitted before a lawsuit can be filed.
What is the legal action provision of an insurance policy?
The legal actions provision prohibits insureds from taking legal action against the insurer due to a claim for 60 days from the date of proof of loss if the claim is disputed.
Which of the following best describes insurance?
By paying premiums, insured individuals receive protection against specific risks, leading to risk diversification. Therefore, the definition that best describes insurance is the transfer of risk from one party to another.
What is the accidental policy?
Simply put, accident insurance is a form of insurance policy that offers a payout when people experience injury or death due to an accident.
What is the definition of an accidental bender?
A fender bender, meaning a minor car accident, can damage your vehicle and cause bodily injury. While fender benders tend to be less dangerous and damaging than more serious types of accidents, they're still stressful and it's important to be prepared.
What is the difference between term and accidental insurance?
It offers a more comprehensive solution for long-term financial planning, ensuring that the insured's beneficiaries are financially supported in various circumstances. In contrast, accidental death insurance policies provide more limited coverage, focusing solely on accidents as the cause of death.
How does accidental injury insurance work?
How Accident Insurance Works. Accident insurance pays cash benefits for injuries resulting from an accident. You pay a monthly premium for coverage, so you are prepared when those unexpected life events come your way.
What is the difference between a bodily injury claim and a personal injury claim?
Bodily injury simply refers to an injury to the body. Personal injury refers to a legal claim of harm to one person that was caused by someone else's negligence or other misconduct. A bodily injury can support a personal injury claim, but so can the reputational damage, for example.
Which of the following would not be considered an accidental injury?
All listed scenarios would be considered accidental injuries except for an injury resulting from intentional self-harm, which is purposefully inflicted and therefore not accidental. Therefore, option d)Injury resulting from intentional self-harm is the correct answer.
What does accidental mean in insurance?
Accidental means is a condition for losses covered under an insurance policy that requires the loss to have been the result of an accident, rather than the result of a non-accident. As a condition, accidental means is designed to protect insurers from having to pay claims on events that were not accidents.
Does an accident and health insurance policy defines an injury as bodily injury?
Explanation: According to the definition given in an accident and health insurance policy, an injury to be covered must be a bodily injury that occurs by accidental means, meaning both the cause and the result of the accident must be unintentional.
What is the legal definition of accidental?
Definition: Accidental means something that happens by chance or without anyone intending it to happen.
What qualifies as a bender?
A bender is not just binge drinking, but bingeing on alcohol for several days. Many people drink all weekend, starting on Friday night, but a bender could involve drinking either Friday or Monday as well, which for most people means intentionally missing work or school to drink. 3.
What is the slang for a small car accident?
Fender Bender. A fender bender is a minor accident between more than one car.
What is the difference between fender bender and accident?
Despite being a 'fun' term, a fender bender is another name for an accident. In most cases, this term is used to describe minor, low-speed accidents that typically only result in minor damage to the fender or bumper of a vehicle.
What is an accidental injury?
The term accidental injury refers to various sudden, unexpected and external events occurring without the will of the injured party and causing injury in connection with a medical examination or treatment.
What is an accidental bodily injury?
More Definitions of Accidental Bodily Injury
Accidental Bodily Injury means any accidental physical bodily harm solely and directly caused by external, violent and visible means which is verified and certified by a Medical Practitioner but does not include any sickness or disease.
What is an example of accidental damage claim?
For example, if you accidentally spill wine on your carpets or couches, or knock the coffee table over. If you have Allianz Home Insurance and have selected optional Accidental Damage Cover, we'll cover: Your building against accidental damage or loss – if you have Building cover.
Which of the following is the best description of insurance?
Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company.
Which of the following statements best describes risk?
The potential you will make a bad choice, best describes risk because when somebody takes a risk, its the worst outcome is that he/she made a bad choice and has to face outcomes to it.
Which of the following best describes insurance policies that require policyholders to select a primary care provider?
In an HMO, you select a primary care physician. If you need a specialist, the primary care physician must first refer you to that specialist before you can see them. HMOs in California are regulated by Department of Managed Health Care (DMHC). Visit our Types of Health Coverage page for more information.