What distinguishes an "accident" from an "occurrence" in insurance terms?

The distinction between an "accident" and an "occurrence" in insurance terms primarily lies in the nature of the event itself. An accident is typically characterized as a sudden and unexpected event that results in damage or injury. This means that it happens abruptly, with no anticipation of the event taking place, which aligns with the general understanding of what constitutes an accident.

On the other hand, the term "occurrence" is broader and encompasses not only sudden events but also those that unfold over time. This can include ongoing exposures to harmful conditions or events that develop gradually, which may also lead to damage or injury. The definition of occurrence allows for a wider range of situations to be included under coverage, thereby offering protection in scenarios that may not fit the strict definition of an accident.

This understanding is vital because it affects how claims are evaluated and what types of events are covered under various insurance policies. Policies often define an "occurrence" in a way that allows for coverage of incidents that occur over time, thereby providing a more expansive safety net for policyholders.