Accidental death and dismemberment insurance includes loss of voice, eyesight or hearing, loss of limbs or fingers, coma or paralysis resulting from an accident, and death resulting from an accident. The injury or death must be the result of an accident covered by the insurance policy of AD&D.
Accidental death is described by insurance companies as an incident that strictly occurs as a result of an accident. Deaths are considered to be accidental from car collisions, falls, coughing, drowning, machinery, and all other circumstances that cannot be managed.