Accident insurance

What does Accident insurance mean in American Law?

The definition of Accident insurance in the law of the United States, as defined by the lexicographer Arthur Leff in his legal dictionary is:

An insurance coverage under which the insurer will pay for losses occasioned by accidental personal injury or death. The policy may cover only accidents, or the accident coverage may be part of a broader policy, e.g., the accidental death benefit provided in some life insurance policies pursuant to which the beneficiary receives a larger amount (frequently the face amount-see double indemnity) if the death was accidental. The payment may be in a fixed amount, or may be designed to replace some portion of lost income, or to pay medical expenses, or some combination thereof. The key limitation in this policy coverage is that it seeks to exclude death or injury or incapacity brought about by “illness” as distinguished from accident, and to that end language on the order of “loss resulting directly and independently of all other causes, from bodily injuries effected solely through accidental means” is often included in the policy. Naturally, the distinction between inherent illness and external accident is frequently difficult to draw (on which see accidental; accidental means). The critical factor is most likely whether the claimant can point to an “accident”

in its most ordinary-language sense-a fall, a crash, a bang, etc.-as in “automobile accident.” See accident. Some accident policies are limited to particular kinds of accidents, e.g., vehicle accidents, but some are not, and are therefore called general accident policies.

Resources

Legal English Vocabulary: Accident Insurance in Spanish

Online translation of the English legal term accident insurance into Spanish: seguro de accidentes (English to Spanish translation) . More about legal dictionary from english to spanish online.

Related to the Legal Thesaurus

Meaning of Accident Insurance

Resources

See Also

Resources

See Also

• Social Policy
• Social Development
• Sociology
• Public Policy
• Social Law

Resources

See Also

• Social Protection
• Social Security
• Employment Affairs
• Welfare State
• Health