Accident is defined as which of the following?

• A. A sudden, unexpected event
• B. A predictable event
• C. A continuous process
• D. A minor incident

Answer: (A)

The main concept here is how an accident is defined in insurance terms: it is a sudden, unexpected event. This captures the unplanned, unforeseen nature that triggers coverage and distinguishes accidents from things that are anticipated or ongoing.

A sudden, unexpected event best fits this definition because it occurs without warning and without intent. In contrast, a predictable event is something foreseen or planned, which isn’t what an accident is. A continuous process implies deterioration or exposure over time, not a single unplanned moment. A minor incident might be real, but it doesn’t address the essential element of suddenness and lack of anticipation that defines an accident in this context.