An insured slips on ice and fractures a wrist. Which statement correctly distinguishes 'accidental means' from 'accidental bodily injury' as used in accident policies?

Question

Accepted Answer

Accidental means requires that the unexpected event itself, not just the result, be accidental; accidental bodily injury only requires an unintended result

Answer

Accidental bodily injury requires the cause to be unexpected, while accidental means only requires the injury to be unexpected

Answer

The two terms are identical and are always interpreted the same way

Answer

Accidental means applies only to medical expense policies, while accidental bodily injury applies only to disability policies

An insured slips on ice and fractures a wrist. Which statement correctly distinguishes 'accidental means' from 'accidental bodily injury' as used in accident policies?

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