Accidents are unexpected turn of events, very common to cause bodily injuries, of which the severity is a relative basis for insurances. This kind of occurrence should be proven to be unintentional so as to be acknowledged by the insurance’s terms and legalities. However in an insurer’s terminologies, accident strongly connotes a preventable, random incident. This means that if a drunk driver, having the privilege to avail a personal automobile insurance for negligence resulting to injuries and losses, willfully bumps into a wall and cuts his skin with the broken windshield, dies; the insurance would not compensate his losses. In certain agreements, insurance policies similarly do not cover for depreciation since its mere presence is inevitable in the ordinary nature of things. Any procurement would be put first to intensive inquiry.
Accidental means simply pertains to a ground in which settlements are based from. It relates to the occurrence happened before the recovery period. Under those common policies, it is necessary that the covered loss should be a result of an accident, instead of being an accidental result of a meditated event. It is the mishap itself that is specified to be purely unanticipated, with the same stress given to the outcome of the accident. Justifications on the part of the insured is taken to ensure that he was not planning the course of the mishap, which is sometimes the tactic of others to immediately claim the large sum of monetary benefits the insurance company promises.
Oftentimes though, accidental means and accidental results are both interpreted differently. Accidental results in accidental death insurance designate that only the resulting injuries must be unintentional. If the insured previously applied to an AD&D policy, definitely jumps from the roof of his house after repairing his TV antenna and injures his leg that it must be amputated, he would receive an appropriate amount of money only if his policy covers the “results” definition. If his policy belongs to the “means” definition, the adverse effect of this is he would not be given any compensation since he actually jumps from the roof, the action he had taken to obtain the said injury. This is a strong ground for the insurance company to hold or invalidate the claim.
Although this is the way insurances go, the courts are pro-beneficiary. If there will be clashing issues on the two types of definitions, the judiciary favors the actual description of accident such as “an unforeseen, unplanned incident having the negative results beyond the control of an insured individual”. They generally considers this definition and give rightful compensations unless if the insured’s actions show evident conduct tantamount to attempting suicide.
With this contrasting bases on accidental death insurance, one must know the type of policy his needs will fit. Realizations on these various insurance policies could give the impact on the insured’s and beneficiaries’ sides. Likewise, the topsy-turvy of every accident will take its toll on the insured’s family members since they are the immediate comforters of the victim.