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.
Voluntary accidental death and dismemberment insurance is often called AD&D insurance.ccidental death coverage is life insurance that pays only in the event of death from accidental causes. The insurance pays an enrolled personâs beneficiary if the insured person dies in an accident.