Physical Injury to a person, accidentally sustained directly and independently of all other causes.
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Insurance Pooling
Insurance is about spreading of risk. Insurance works only because many policyholders pool their risks of loss and transfer portions of those risks to an insurance company. The insurance company, having accepted potential losses from many policyholders, is able to charge an affordable premium to each policyholder based on the probability that only a few of the potential losses will occur and must be paid. Thus, by pooling risks together through an insurance company, insureds can insure their risks at a reasonable price, which would otherwise not be possible if the risks of all insureds had not been pooled together through an insurance company.