Plain-English meaning
A sudden event that causes physical injury, such as a fall, bite wound, fracture, or swallowed object.
Why the exact wording matters
The policy may define “accident” more narrowly than everyday speech. Check whether the event date falls after the accident waiting period and whether the treatment is excluded for another reason.
Where to verify it
- Definitions section
- Coverage or insuring agreement
- Exclusions
- Benefit or limit schedule
- Claims section
- State endorsement when applicable
Write this down when comparing policies
| Field | Policy A | Policy B |
|---|---|---|
| Accident | ||
| Where defined | ||
| What changes a claim | ||
| Question for the carrier |