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Particular loss: The loss takes place at a known time, in a recognized place, and from a known trigger. The basic instance is the dying of an insured person on a life insurance coverage coverage. Fire , automobile accidents , and worker accidents might all easily meet this criterion. Different kinds of losses could solely be definite in concept. Occupational disease , for instance, might involve prolonged exposure to injurious conditions the place no particular time, place, or cause is identifiable. Ideally, the time, place, and reason behind a loss ought to be clear sufficient that a reasonable person, with adequate data, may objectively verify all three parts.
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