An occurrence by chance or not as expected. Haser v Maryland Casualty Co. 78 ND 893, 53 NW2d 508, 33 ALR2d 1018; Anno: 8 ALR2d 409. In lesser scope, an occurrence which could not have been foreseen by the exercise of reasonable prudence, one which happens unexpectedly from the uncontrollable operations of nature alone, and without human agency, 38 Am J1st Neg § 6. The word "accident" in a bill of lading, which refers to events involving damage to the property carried for which the carrier is to be liable, includes the result of any human fault for which the carrier may be liable; it is not synonymous with "mere accident" or "purely accidental." Ullman v Chicago & N. W. R. Co. 112 Wis 150, 88 NW 41. The word "accident" in a policy of insurance insuring against injury by accident means an event that takes place without one's foresight or expectation-an event that proceeds from an unknown cause, or is an unusual effect of a known cause, and therefore not expected. 29A Am J Rev ed Ins § 1164. An "accident" within the meaning of an automo bile insurance policy indemnifying against loss by collision or upset includes any event which takes place without the foresight or expectation of the person acted upon or affected thereby. Riley v National Auto Ins. Co. 162 Neb 658, 77 NW2d 241, 57 ALR2d 1219. As the word is used in an automobile liability insurance policy, it means an undesigned, unexpected happening which produces injury or damage. It does not include injuries caused intentionally. Anno: 117 ALR 1175; 18 ALR2d 456. An "accident" within the meaning of a policy insuring against liability incident to ownership or use of premises does not include an event which has its inception in a wilful act of the insured. 29A Am J Rev ed Ins § 1359. As used in the phrase "injury arising by accident" in compensation statutes the term is interpreted in the popular and ordinary sense, and is generally construed as meaning an occurrence which is neither expected, designed, nor intentionally caused, by the workman. 58 Am J1st Workm Comp § 196. In the phrase "by accidents arising out of and in the course of the employment," found in Employers' Liability Acts, "accident" signifies any un-toward and unexpected event, the term being used in its popular sense. 3 5 Am J I st M & S § 422. The term within the meaning of the equitable principle under which relief is granted for "accident" means an occurrence without intention on the part of the complainant and one which he was unable to see and avert. 19 Am J2d Equity § 44. See inevitable accident; unavoidable accident.

Ballentine's law dictionary. . 1998.


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