General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
In an accident insurance policy, the 'accidental bodily injury' sustained by the insured is treated as the:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The accidental bodily injury is the event that causes the covered loss, so it is the peril under an accident policy. The insuring clause typically states that benefits are payable for loss 'caused by accidental bodily injury,' making the injury the named peril. Understanding this terminology helps distinguish the covered cause of loss from conditions that merely increase its likelihood.
Why the other options are wrong
- B) A hazard is a condition that increases the chance of injury, such as ice on a stairway, not the injury itself.
- C) A moral hazard is dishonest behavior by the insured, not a physical event.
- D) Consideration is the premium and the insurer's promise, not the injury.
Memory hook
The injury is the trigger, the ice is the hazard, and the premium is the price of the promise.