West Virginia Adjusters Practice Exam

Accidental death and dismemberment (AD&D) policies are designed to provide benefits specifically for injuries that lead to death or the loss of limbs or other vital functions due to accidents. The coverage typically encompasses a range of scenarios where accidental events occur, and injuries result from them.

Injuries sustained in a car wreck are a prime example of the type of incidents that AD&D policies cover. Car accidents are considered unforeseen and accidental events that may result in serious injuries or fatalities. Therefore, if a policyholder suffers a dismemberment or dies as a result of a car accident, the policy would likely provide benefits to the beneficiaries or the insured.

While the other choices may involve injuries that are serious and could lead to significant outcomes, such as falls, workplace injuries, or acts of violence, the coverage specifics of an AD&D policy focus on injuries arising from unforeseen accidents, which prominently includes car accidents.