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Excess casualty insurance is designed to cover events that happened when the policy was in force but that may not be discovered until years later. That means a customer's coverage is only as good as the ability of the insurer to stay in business and be around when a claim is finally made.
Civilian casualties in the Korea war, 1940s or 50s In civilian usage, a casualty is a person who is killed, wounded, or injured by some event, and is usually used to describe multiple deaths and injuries due to violent incidents or disasters. Casualties is sometimes misunderstood to mean fatalities, but non-fatal injuries are also casualties.