What does 'accident' really mean when it comes to policies covering 'accidental injury' or 'accidental damage'? Primarily, it means that such policies cover events that are not deliberately caused by the policy holder and that are not inevitable. Deliberately driving your car into a wall is not an insured 'accident'. If you jump off a high building, the inevitable injuries you suffer cannot be counted as 'accidental', and you may not be able to claim any insurance.