Florida Insurance Claims Adjuster License Practice Exam

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What characterizes an Accident under insurance definitions?

  1. A sudden, unexpected event

  2. A premeditated incident

  3. A slowly developing health condition

  4. A natural disaster

The correct answer is: A sudden, unexpected event

An Accident under insurance definitions is characterized as a sudden, unexpected event. Option A is the only answer that accurately describes an Accident, as it implies an occurrence that was not anticipated or planned for. Options B, C, and D are incorrect because they do not align with the definition of an Accident - a premeditated incident would not be considered unexpected, a slowly developing health condition would not be considered sudden, and a natural disaster may not always be unexpected depending on the person's location and the frequency of disasters in the area.

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