South Carolina Insurance Practice Exam

Under a disability income policy, which provision is applicable if the cause of an injury is unexpected and accidental?

1. Disability provision

2. Accidental bodily injury provision

3. Temporary total disability provision

4. Permanent partial disability provision

The correct answer is: Accidental bodily injury provision

The correct choice is based on the specific language of the provisions related to disability income policies. The "Accidental bodily injury provision" is particularly relevant when the cause of an injury arises unexpectedly and accidentally. This provision ensures that benefits are provided to the insured if they suffer a disability resulting from an accident that was unforeseen and unintentional. This provision is fundamental in disability income policies, as it directly links the benefits offered to the nature of the injury and its cause. When dealing with disability claims, insurers often assess whether the injury was due to specific accidental circumstances, making this provision essential for understanding coverage eligibility in cases of unexpected injuries. Other provisions mentioned, while relevant to various aspects of disability, do not specifically address the accidental nature of injuries. The disability provision generally encompasses the overall coverage for disability, while the temporary total and permanent partial disability provisions relate to the duration and extent of the disability rather than its cause. These distinctions clarify the importance of the "Accidental bodily injury provision" when an injury stems from an unexpected event.