Practice Quiz

Health and Life Insurance

Category - Disability

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George is assisting in moving his buddies to their new home. During the move, George slips on the ice-covered steps and fractures his arm. The insurance company declines the claims based on the nature of the accident. George’s policy most likely includes:
  1. An accidental means definition of accidental
  2. An accidental bodily injury definition of accidental
  3. A non-confining definition of accidental
  4. A confining definition of accidental
Explanation
Answer: A - George’s policy most likely includes an accidental means definition of accidental. The accidental means wording is a more restrictive definition of an accident. Because the accident could have been foreseeable as there was ice on the steps, the accidental means definition prevents coverage. Accidental means uses a more literal definition of the term accident, where the event was completely unforeseen and unintended. Ice on the steps is foreseeable.
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