Life & Health · Chapter 2 · Perils, Losses & Hazards
Accident vs Occurrence
Definition
Accident: an unforeseen, unintended, SUDDEN event at a specific time and place. Occurrence: ANY event causing loss — including accidents AND losses from repeated/continuous exposure over time.
Exam tip
Every accident is an occurrence, but not every occurrence is an accident. A knee ruined by one car crash = accident; a knee worn out by years of activity = occurrence.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms