Accidental Means

A condition in most insurance policies requiring that an insured event be the result of an accident. For example, an accident insurance policy may provide coverage for a gunshot wound, but not if it was the result of a suicide attempt. The accidental means requirement helps insurance companies reduce fraud.

References in classic literature ?

I must now say a few words on what are called accidental means, but which more properly might be called occasional means of distribution.

View in context

As an adjective, the term accidental means "happening by chance, undesignedly or unexpectedly, produced by accident, fortuitous, ...

This Morning, the Cardinal

defined a "covered injury" as one "caused by accidental means which is independent of all other causes."

ERISA denial reversed over 'speculative leaps'

Under state law, "reasonable discipline" is not considered abuse, but injuring a child by anything "other than accidental means" is considered abuse.

Woman charged after report of spanking

GMO contamination of non-GMO crops by natural or accidental means has been documented in so many countries and many times over, he added.

Greenpeace, NGOs urge halt to GMO cultivation

The amount of compensation payable under the law is given in Schedule IV (currently Rs.2,00,000) of the Workmen Compensation Act in respect of contingencies such as death and permanent disablement caused by accidental means. Moreover, there is no bar in providing higher benefits than that given in Schedule IV.

Compensation and Benefits

- leakage of lubricating oil And/Or damage to engine and/or gear box of the Insured Vehicle arising out of leakage of lubricating oil due to Accidental means.

HDFC ERGO Introduces New Motor Insurance Add-on Covers

Union Labor Life's standard AD&D benefit provides a schedule of varying lump sum benefits upon loss of life, sight or limbs by accidental means. In all of its plans, insureds or beneficiaries receive payment regardless of whether or not the cause was work-related, he said.

Hold on tight: accidental death and dismemberment insurance sales are on the rise. What's driving this trend?

"In the absence of an express provision in the policy to the contrary, where the insured is intentionally injured or killed by another, and the injury or death is not the result of misconduct, provocation, or assault by the insured, but is unforeseen from the insured's point of view, and occurs without his or her agency, the injury or death is an accident or accidental, or by accidental means, within the meaning of accident insurance policies, and the insurer is liable therefor' (10 Couch on Ins.

Pedestrian intentionally struck by motorist is not entitled to UM benefits, but does get PIP benefits

Two different clauses are used: the accidental means and the accidental death type clauses.

Chapter 6: Special policy provisions and riders

violent and accidental means" but exclude intentionally

Word games: raising and resolving the shortcomings in accident-insurance doctrine that autoerotic-asphyxiation cases reveal