How is an accident defined in the context of insurance?

In the context of insurance, an accident is defined as a sudden event that causes damage or injury. This conception encompasses events that occur unexpectedly and result in some form of loss, damage to property, or physical injury. The key element here is the suddenness of the occurrence; unlike planned events or routine occurrences, an accident is typically unforeseen and can lead to immediate consequences, thereby triggering the need for insurance coverage.

For instance, a car collision that occurs unexpectedly while driving is considered an accident, as it is typically sudden and outside the control of the individuals involved. This definition is crucial for assessing claims, as insurances are designed to provide financial support when such unforeseen incidents disrupt normal life or lead to losses.

The other options do not accurately reflect this insurance definition. A planned event suggests intent and foreknowledge, which does not align with the nature of accidents in insurance. A routine occurrence implies regularity and predictability, while an expected occurrence without injuries does not involve the damage component necessary to classify the situation as an accident under the insurance framework.