West Virginia Adjusters Practice Exam

Accidental death and dismemberment (AD&D) coverage is designed to provide benefits when the insured suffers a serious injury or death as a result of an accident. However, specific types of incidents are typically excluded from this coverage to prevent misuse and to outline the limits of the insurance policy.

Death by suicide is generally excluded from AD&D coverage because it is considered intentional rather than accidental. Insurance policies aim to provide resources for unintentional accidents, and an act of suicide does not fall under this category, as it is a deliberate action taken by the individual. This exclusion helps maintain the integrity of the insurance system, ensuring that coverage is used appropriately for unforeseen and unintended incidents.

On the other hand, while accidents during travel, injuries from recreational activities, and accidental injuries at home can involve varying risks, these situations may still be covered under AD&D policies as long as the incidents occur accidentally and meet the policy's conditions.