Question 19

A bullet wound suffered when an individual is shot by a hunter who mistook the individual for a deer.

An accident policy would typically cover incidents that are unintentional and outside the scope of illegal activity. In this case, a bullet wound resulting from a mistaken identity while hunting is an accidental injury that falls within the policy's coverage.

A) a broken leg suffered while the injured person is escaping from a second story window after burglarizing a house.

This option is incorrect because the injury was sustained while committing a crime. Most accident policies do not provide coverage for injuries that occur during illegal activities, thus excluding this scenario from coverage.

B) a bullet wound suffered when an individual is shot by a hunter who mistook the individual for a deer.

This option is correct as it describes an accidental injury that was not caused by the individual's actions. The injury occurred due to a mistake made by the hunter, which aligns with the type of incidents that accident policies are designed to cover.

C) both A and B.

This option is incorrect because while B is a valid scenario for coverage, A involves an illegal act that would disqualify it from being covered under an accident policy. Therefore, both cannot be included in the coverage.

D) neither A nor B.

This option is incorrect as it fails to acknowledge that scenario B involves a legitimate accidental injury that is typically covered by an accident policy. Thus, while A is excluded, B is indeed covered.

Conclusion

The correct answer is B, as it represents an accidental injury that is not associated with illegal activities, aligning with the coverage of an accident policy. Options A and D are incorrect due to the involvement of criminal actions, while option C cannot be correct as it includes an uninsurable event.