An occurrence refers to an event or accident that involves continuous or repeated exposure to similar harmful conditions during a specific period of a policy. This exposure can lead to bodily injury or property damage. In legal contexts, understanding what constitutes an occurrence is essential for determining liability and coverage under insurance policies.
The term "occurrence" is commonly used in various legal practices, particularly in insurance law. It plays a crucial role in civil litigation, especially in cases involving personal injury claims and property damage. Insurance policies often define occurrences to determine the extent of coverage for accidents. Users can manage related legal processes by utilizing templates from US Legal Forms, which are crafted by experienced attorneys.
Here are a couple of examples of abatement:
Example 1: A factory worker develops a respiratory illness due to prolonged exposure to toxic fumes over several months. This situation could be classified as an occurrence under the worker's compensation insurance policy.
Example 2: A homeowner experiences water damage from a leaking pipe that has been dripping for weeks. This ongoing issue may be considered an occurrence for homeowners' insurance claims. (hypothetical example)
| State | Definition of Occurrence |
|---|---|
| California | Defines occurrence broadly to include any event causing injury or damage. |
| New York | Focuses on the specific circumstances leading to the injury or damage. |
| Texas | Emphasizes the need for a direct link between the occurrence and the claim. |
This is not a complete list. State laws vary, and users should consult local rules for specific guidance.
| Term | Definition | Difference |
|---|---|---|
| Accident | An unexpected event causing injury or damage. | An occurrence can include multiple accidents over time. |
| Incident | An event that may or may not cause harm. | Occurrences are specifically tied to harm or damage. |
If you believe you have experienced an occurrence that may lead to a claim, consider the following steps:
Browse our library of 85,000+ state-specific legal templates.
An occurrence can include multiple accidents or ongoing exposure to harmful conditions, while an accident typically refers to a single event.