Short Definition: Insured’s death as a result of an accident.
Long Definition: As an insured event under personal accident insurance, it is defined as “death caused by violent, accidental, external, and visible means that shall solely and independently result in death occurring within 12 months.” The time limit is arbitrary, but the longer the period between the injury and subsequent death, the more likely an intervening cause will be. If the accidental death is caused by an accepted risk, the insurer makes no payment.
See Also: Accident; Accidental Means