Section 88.133. Accident, accidental injury

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(a) The definition of accident, accidental injury shall employ ‘‘result’’ language and shall not include words which establish an accidental means test or use words such as ‘‘external, violent, visible wounds’’ or similar words of description or characterization.
(b) No definition shall be more restrictive than the following: Injury or injuries, for which benefits are provided, means accidental bodily injuries sustained by the insured person which are the direct and independent cause of the loss and occur while the insurance is in force. The definition may provide that injuries shall not include injuries for which benefits are provided under any workmen’s compensation, employer’s liability or similar law.

                    
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