Which statement about occurrences and accidents is true?

The statement that some occurrences may not qualify as accidents is accurate and reflects the nuances in insurance terminology. Generally, an occurrence refers to an event that results in property damage or bodily injury, while an accident typically implies an unintentional event leading to such outcomes.

In the insurance context, not every occurrence is classified as an accident because occurrences can encompass a broader range of events, including those resulting from intentional acts or gradual exposure to harmful conditions, which may not fit the definition of an accident. For example, repeated exposure to a harmful substance causing illness over time would be an occurrence but not necessarily an accident. This understanding is essential in evaluating claims and determining coverage under personal lines insurance policies.

Understanding this distinction helps insured individuals know the implications of their policies and the nuances in how different events are framed under insurance coverage. The other options either overgeneralize the relationship between occurrences and accidents or introduce criteria that do not accurately reflect how these terms are appropriately used within the insurance field.