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.
Events such as dismemberment due to a suicide attempt would fall under life insurance and would be an exclusion. It would not fall under an accidental death policy.. For example, if you commit suicide or attempt to hurt yourself on purpose, the AD&D policy would not pay out. The same holds true if the accident or your death is caused by a war. The policy would not pay out if the death or loss is caused by physical or mental illness, or if you die during surgery. And a bacterial infection, drug overdose or a hernia that contributes to your death or an accident would not be covered under AD&D, according to the language in many policies.