accident policy
A type of business or personal policy that insures against loss resulting directly from accidental bodily injuries sustained during the policy term. [Cases: Insurance 1012, 1716. C.J.S. Insurance §§ 4, 254.]
Search Results for: accident policy
general accident policy
general accident policy 普通事故保险单 为被保险人不论在何种场合或在何种情况下遭受意外事故提供保险的合同，即不限于机动车意外、飞机失事等事故。
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accidental death benefit
accidental-death benefit. An insurance-policy provision that allows for an additional payment (often double the face amount of the policy) if the insured dies as a result of an accident, as defined in the policy, and not from natural causes. — Abbr. ADB. [Cases: Insurance 2599. C.J.S. Insurance §§ 1094, 1096, 1170–1171.]
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limited policy insurance
Insurance that covers only specified perils; esp., health insurance that covers a specific type of illness (such as dread-disease insurance) or a risk relating to a stated activity (such as travel-accident insurance).
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completed operations policy
A policy usu. purchased by a building contractor to cover accidents arising out of a job or an operation that the contractor has completed. [Cases: Insurance 2296. C.J.S. Insurance §§ 431, 950, 952–953, 971–972, 974–976, 985.]
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class two insured
In a motor-vehicle policy, a person lawfully occupying a vehicle at the time of an accident. [Cases: Insurance 2660. C.J.S. Insurance §§ 928, 1044–1045, 1047, 1054, 1596, 1599, 1672.]
actual injury trigger
actual-injury trigger. Insurance. The point at which an insured suffers damage or injury (such as the time of an automobile accident), so that there is an occurrence invoking coverage under an insurance policy. — Also termed injury-in-fact trigger. Cf. EXPOSURE THEORY; MANIFESTATION THEORY; TRIPLE TRIGGER.
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insured
insured, n. A person who is covered or protected by an insurance policy. — Also termed assured. [Cases: Insurance 2100. C.J.S. Insurance § 389.] additional insured. A person who is covered by an insurance policy but who is not the primary insured. • An additional insured may, or may not, be specifically named in the
inchmaree clause
Inchmaree clause (inch-m[schwa]-ree).Maritime law. An insurance-policy provision that protects against risks not caused by nature, such as a sailor’s negligence or a latent defect in machinery. • This term is taken from a British ship, the Inchmaree, whose sinking in 1884 gave rise to litigation that led to the clause bearing its name. — Also