If coverage were extended to damage to one`s own vehicle or theft, the policy would no longer be exclusively accident insurance. Today, one of the most common types of accident insurance is auto insurance. In its most basic form, car insurance offers liability insurance in the event of a driver`s „guilt“ in the event of an accident. This may cover the medical expenses of those involved in the accident, as well as the return or repair of damaged property, all of which would fall under accident insurance.  No. 1) an accident that is impossible to predict or monitor, such as for example. B a shipwreck by a storm or lightning fire. 2) the loss, as in life, of such an inevitable accident. The courts remain heterogeneous in the exact definition. (See: Loss of Victims) Overall, it can be defined as a list of individual insurances, which are usually written in a separate policy in three broad categories: third parties or liability, disability or accident, as well as health, property damage. One of the results of a global political position. The question of the usefulness of the traditional concept of accident insurance must be asked. Some insurers predict that the accident insurance of the future will only cover liability and disability lines.
Landlords and tenants have different insurance obligations depending on the nature of the rental agreement and the contractual terms. In the case of a contract to rent premises for a multi-tenant building, the tenant contributes to the insurance of the owner and the owner then controls the accidental product. In addition, tenants have a responsibility to obtain separate coverage in order to protect their personal property. In the case of an inheritance tax, either the owner or the tenant will take out insurance for improvements. TOTAL GENERAL AVERAGE -AKA- G-A IN FULL: an agreement in a freight insurance according to which underwriters do not reduce the right to the general average contribution in case of under-insurance. Later, Chapter 2 indicates that insurance was traditionally classified between life, fire and accident. With multi-line policies written (insurance contracts covering different types of risks), the latter two began to merge. When the NAIC approved several designs in 1946, accident insurance was defined as a general notion of legal liability, with the exception of sea care, disability and medical care as well as certain damage to physical property.  ADJUSTER: a person representing the insurance undertaking and acting for the undertaking with a view to concluding agreements on the amount of damage and the liability of the undertaking in that undertaking. HOLD-HARMLESS AGREEMENT: a contractual agreement in which one party assumes the responsibility inherent in a situation, thus making the other party relieved of its responsibilities.
Such agreements are usually found in contracts such as leases. A typical lease may provide that the tenant must „keep the landlord unharmed“ for any liability resulting from accidents resulting from the premises. The state of Illinois includes compensation for vehicles, liability, labor, glass, livestock, legal fees, and various insurances under its category of accident insurance.  GENERAL AVERAGE: Ocean marine cover means a partial loss resulting from the voluntary and intentional sacrifice of a cargo for the good of all parties and which must be shared by all parties (ship, cargo and cargo owners) in relation to their interest. . . .