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lol. I always told people that "accident" is violent and external to the body.
Many years ago, most health policies had accident benefits.
I had a client that caught some bass and wanted to plant them in his backyard pond. He had the bass in a 5 gal plastic bucket filled with water. He carried this bucket one mile. By the time he got to his truck, he had strained his back horrible.
Dr visits and PT followed.
He fought with the insurance company for several months trying to get them to pay as an accident to no success.