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 may not cover the following: 1  Drinking and driving. 2  Skydiving. 3  Bungee jumping. 4  Car racing. 5  War. 6  Suicide or attempted suicide. 7  Drug overdose. 8  Surgery.