In BAP, an 'Accident' is defined as which of the following?

• A. Must be sudden
• B. Does not have to be sudden and can be a continuous or repeated exposure
• C. Only event that results in BI
• D. Limited to weather-related events

Answer: (B)

The key point is that an accident in liability coverage is defined broadly to cover more than just sudden events. A valid accident can be an unplanned, undesired event that happens in a single instant or can arise from continuous or repeated exposure to the same harmful conditions, as long as it results in bodily injury or property damage during the policy period. This broader view explains why the correct option says it does not have to be sudden and can be continuous or repeated exposure.

Why this matters: recognizing continuous or repeated exposure prevents gaps in coverage for damages that accumulate over time, not just those from a one-time crash or incident. The other options are too narrow: insisting on suddenness excludes gradual harm; limiting to bodily injury ignores property damage as a possible result; and restricting to weather-related events inaccurately narrows the scope of what can be considered an accident.