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.
Accidental death and dismemberment insurance, or AD&D insurance, is something a lot of people donât think about, but every year people die from preventable accidents in the United States. According to the Insurance Information Institute the top three causes of accidental death are: