Comprehensive and Detailed Step by Step Explanation:
An accidental death rider pays an additional benefit if death results solely from an accident.
Automobile accidents resulting from the insured’s negligence (D):Covered, as negligence does not negate the accidental nature of the event. The death must result directly from the accident without other contributing factors like illness.
Intentionally self-inflicted injuries (A):Excluded, as they are not accidental.
Illness or disease (B):Excluded, as accidental death benefits only apply to unforeseen events, not natural causes.
War or acts of war (C):Excluded in most policies due to specific exclusions for wartime risks.
[References:Maryland Insurance Administration Policy Rider Guidelines and Accidental Death Coverage Standards, COMAR 31.09.04., ]
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