Question

multiple choice
which of the following best describes how a policy that uses the \accidental bodily injury\ definition of an accident differs from one that
uses the \accidental means\ definition?
a. benefits are taxable
b. more restrictive
c. double indemnity
d. less restrictive

Explanation:

To determine the answer, we analyze the definitions:

• "Accidental means" (AM) requires the cause of injury to be accidental (stricter, more restrictive).
• "Accidental bodily injury" (ABI) focuses on the injury being accidental (broader, less restrictive).

Thus, a policy using ABI is less restrictive than one using AM.

Answer:

D. Less restrictive