Rhode Island Insurance Adjuster Exam

What term describes a continuous or repeated exposure to conditions that may result in bodily injury or damage that is neither expected nor intended?

1. Occurrence

2. Event

3. Claim

4. Incident

The correct answer is: Occurrence

The term that best describes a continuous or repeated exposure to conditions resulting in bodily injury or damage that is neither expected nor intended is "occurrence." In insurance terminology, an occurrence refers specifically to an event that happens unexpectedly and can include situations such as repeated exposure to harmful conditions over time. This aligns well with the context of insurance claims, where the harm is consequentially linked to the exposure rather than a single instance or intentional act. In contrast, the other terms mentioned have different meanings within this context. An event usually refers to a singular happening or a discrete incident, which may not capture the ongoing nature of the exposure implied by the question. A claim is a request for compensation due to a loss or damage but does not encompass the concept of ongoing exposure. An incident, while related, tends to be a more general term that may not imply the continuous or repetitive aspect of injury or damage. Therefore, "occurrence" is the most accurate and fitting choice here.