Florida Life and Health Insurance License Practice Test

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How does a policy using the 'accidental bodily injury' definition compare to one using 'accidental means'?

  1. It is more restrictive

  2. It is less restrictive

  3. They are equally restrictive

  4. It includes additional coverage options

The correct answer is: It is less restrictive

A policy using the 'accidental bodily injury' definition is less restrictive compared to one using 'accidental means'. This is because 'accidental means' may limit coverage to only certain types of injuries, while 'accidental bodily injury' may cover a broader range of injuries caused by a variety of circumstances. The other choices may be incorrect because A incorrectly assumes that 'accidental bodily injury' is more restrictive, C assumes that they are equally restrictive when they are not, and D is incorrect because using 'accidental bodily injury' does not necessarily mean additional coverage options are included.

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