An occurrence is defined as an event that results in damage or loss. This could include anything from a car accident to a fire to a theft. An accident, on the other hand, is defined as a sudden and unexpected event that results in damage or loss. This means that an accident must be both sudden and unexpected.
For example, if a tree falls on your car and damages it, this would be considered an occurrence. However, if you drive your car into a tree, this would be considered an accident.
The distinction between an occurrence and an accident is important because it can affect your insurance coverage. Some insurance policies only cover accidents, while others cover both accidents and occurrences. If you have a policy that only covers accidents, you may not be covered for damage or loss that is caused by an occurrence.
It is important to be aware of the difference between an occurrence and an accident so that you can make sure that you have the right insurance coverage. If you are not sure whether your policy covers occurrences or accidents, you should contact your insurance company.
