Texas Adjuster Practice Test

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Which of the following is NOT a characteristic of an accident?

  1. Unforeseen nature

  2. Intentional action

  3. Unintended outcome

  4. Unexpected event

The correct answer is: Intentional action

An accident is typically defined by certain characteristics that often involve elements of chance and unintended consequences. The characteristic of intentional action fundamentally contradicts the nature of an accident. Accidents occur without premeditation or intent; they are unforeseen events that result in harm or damage. The other options capture essential characteristics of an accident. Unforeseen nature highlights that accidents happen unexpectedly, while unintended outcome emphasizes that the results are not planned or desired. Similarly, an unexpected event indicates that accidents occur suddenly and without warning. Together, these attributes reflect the inherent unpredictability of accidents, whereas intentional action signifies a deliberate choice that is not aligned with the definition of an accident.

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