INSURANCE DEFINIATIONS

What Is an
Accident?

An accident is a sudden, unexpected, and unintended event that causes bodily injury, property damage, or financial loss.

EXAMPLES OF ACCIDENTS

Automobile collisions
Slip and fall injuries
Falling tree damage
Water damage caused by a burst pipe
Equipment accidentally damaging someone else's property
Storm and hail damage

WHY IT MATTERS

Not every loss is considered an accident.

Intentional acts, fraud, or damage specifically excluded by your policy are generally not covered.

Common Policies

Auto Insurance

Protects you and your vehicle from accidents, damage, theft, and liability.

General Liability Insurance

Protects your business from claims involving property damage, injuries, or legal expenses.

Homeowners Insurance

Protects your home and belongings against damage, theft, and unexpected accidents.

RELATED TERMS

Claim

A formal request for payment or benefits under an insurance policy.

Occurrence

An event or incident that may result in a claim.

Negligence

A failure to take reasonable care that results in injury or damage to another.

Need Help Understanding Your Coverage?

Our licensed advisors are here to answer your questions and help you protect what matters most.

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Malone, NY 12953
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1645 Military Turnpike Hwy
Plattsburgh, NY 12901
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