What is an example of accidental damage

Accidental damage is defined as sudden and unexpected damage to your property or contents by an outside force. For instance, spilling a drink and staining the carpet, or drilling through a pipe. Accidental damage cover is sometimes included in home insurance, but usually it's sold as an optional extra.

What is considered accidental damage?

Accidental Damage means physical damage, breakage or failure of Your Covered Equipment due to an unforeseen and unintentional event occurring either due to handling (e.g., dropping the Covered Equipment or through liquid contact) or due to an external event (e.g., extreme environmental or atmospheric conditions).

What is covered under accidental?

Accident insurance covers qualifying injuries, which might include a broken limb, loss of a limb, burns, lacerations, or paralysis. In the event of your accidental death, accident insurance pays out money to your designated beneficiary.

What is sudden and accidental damage?

Sudden ɪmp; Accidental coverage is tied to a discovery and reporting period, and generally covers bodily injury and property damage caused by a pollution loss. If a claim comes in and is a gradual loss, or is not discovered and reported in the time allowed under the policy form, there is no coverage in place.

What is accidental damage from handling?

ADH coverage applies to an operational or mechanical failure caused by an accident from handling that is the result of an unexpected and unintentional external event (e.g., drops and liquid contact from spills) that arises from Your normal daily usage of the Covered Device as intended for such Covered Device.