The injury requirement of the escape clause, understood to be more stringent than material injury but otherwise apparently not rigorously defined.

An injury that requires hospitalization for more than 48 hours, commencing within 7 days from the date when the injury was received; results in a bone fracture (except simple fractures of fingers, toes, or nose); involves lacerations that cause severe hemorrhages, or nerve, muscle, or tendon damage; involves injury to any internal organ; or involves second- or third-degree burns or any burns affecting more than 5 percent of the body surface.

an injury, other than a major injury, when the injured person is incapacitated for more than three consecutive days

a “serious injury” shall be determined to exist only after review and agreement by both the attending physician and the Company’s medical consultant.

Any injury that will likely result in mortality (50 CFR 216.3).

Any injury which: (1) requires hospitalization for more than 48 hours, commencing within 7 days from the date the injury was received; (2) results in a fracture of any bone (except simple fractures of fingers, toes, or nose); (3) causes severe hemorrhages, nerve, muscle, or tendon damage; (4) involves any internal organ; or (5) involves second or third degree burns, or any burns affecting more than 5 percent of the body surface.