An accident and health insurance policy defines an injury as "bodily injury by accidental means". For an injury to be covered on this policy, what is required?

• A. External and violent
• B. Cause intentional
• C. Only the injury resulting from an accident must be unintentional
• D. Both the cause and the result of an accident must be unintentional

Answer: (D)

The key idea is that “bodily injury by accidental means” means the event that caused the injury must be unintentional, and the resulting injury must also be unintentional. For coverage, the accident itself cannot be intentional, and the injury cannot be intentional either. If someone deliberately causes a crash, or if the injury is intentionally inflicted, the claim wouldn’t be covered. For example, slipping and falling accidentally (unintentional event) leading to an injury (unintentional result) would be covered, whereas a self-inflicted or purposely caused injury would not.