Accident

1) In common usage: an unforeseen and unplanned event or circumstances; or an unfortunate event resulting especially from carelessness or ignorance (Webster's Dictionary).

In insurance parlance, a term that is included within the insuring agreement of many types of liability insurance. In a few cases, the word "accident" is a defined term within the policy. In most cases, however, common law becomes the determinant of what is, or is not, an accident for purposes of triggering coverage.

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