A Disease Contracted During Activities of Everyday Life is Not an Accident!

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On December 18, 2009, the Supreme Court rendered judgment in the case of Gibbens v. Co-Operators Life Insurance Company, concluding that an infectious disease contracted during an ordinary activity of everyday life is not an accident according to the definition in the accident insurance policy, even if the insured did not intend to contact the disease, or was unable to foresee that he would.

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