West Virginia Adjusters Practice Exam

In the context of accidental death and dismemberment coverage, the term "accident" typically refers to an event that is sudden, unexpected, and results from an unintentional act. A sudden heart attack while jogging, while it may occur unexpectedly, is classified as a medical event rather than an accidental occurrence. This is because the heart attack is a health-related issue resulting from underlying medical conditions or risks associated with physical exertion, rather than an unpredictable external event.

On the other hand, situations like an unexpected fall from a height, a vehicle collision, and an accidental firearm discharge involve external factors that are not tied to medical conditions or health issues. These events occur without warning and are generally recognized as accidents that cause injury or death, aligning with the coverage parameters of accidental death and dismemberment policies. Therefore, the heart attack while jogging stands apart as it does not fit the definition of an accident in this insurance context.