Texas Property and Casualty License Practice Exam 2026 - Free Practice Questions and Study Guide

An accident is defined as an event that is sudden and unexpected. This definition captures the essential characteristics of accidents, which are typically unforeseen incidents that occur without intention or planning. Accidents occur without warning and can lead to unintentional harm or damage, distinguishing them from events that are premeditated or expected.

When considering the other options, a planned event does not align with the common understanding of an accident, as accidents are inherently unanticipated. Although negligence can lead to accidents, it is not a defining characteristic of the event itself; rather, negligence can be a contributing factor to an accident. Finally, deliberate acts are also not considered accidents because they are intentional; accidents are the opposite, stemming from a lack of intention or control. This nuanced understanding of what constitutes an accident is crucial for correctly interpreting insurance policies and liability issues in the field of property and casualty insurance.