Even in the law enforcement context, the State may interfere with an individual's Fourth Amendment interests with less than probable cause and without a warrant if the intrusion is only minimal and is justified by law enforcement purposes.
In insurance, accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident. This is a limited form of life insurance which is generally less expensive. 1  1 Accidental death.  1.1 Common exclusions.
Dismemberment insurance commonly is paired with accidental death insurance. A person who wishes to receive accidental death and dismemberment insurance can get an accidental death and dismemberment rider in their life insurance policy. Some people may be at a significantly higher risk for dismemberment.