Florida Insurance Licensing Practice Exam

What is true concerning the definition of 'accident' under the CGL?

1. Includes continuous and repeated exposure to the same condition

2. Must occur within the state where the policy is issued

3. Must be a singular, time-defined occurrence

4. None of the above

The correct answer is: Includes continuous and repeated exposure to the same condition

The correct answer is A. The definition of 'accident' under the CGL includes continuous and repeated exposure to the same condition, meaning that multiple incidents caused by the same condition may be considered as one accident. Option B is incorrect because the location where the accident occurs is not a defining factor in the CGL definition. Option C is incorrect because an accident can be ongoing or occur over a period of time, it does not have to be a singular, time-defined occurrence. Finally, option D is incorrect because option A is correct.