1. Assaults
   
   
   • Any physical assault that resulted in injury.
     
      
2. Harassment with Mental Health Impact
   
   
   • Claims involving harassment where the lead explicitly states they sustained a clinically diagnosable mental injury, such as:
     
     
     • PTSD (Post-Traumatic Stress Disorder)
       
        
     • Severe anxiety
       
        
     • Depression (if clearly diagnosed and tied to the incident)
       
        
3. Objects Falling in Establishments
   
   
   • Incidents where an object fell on the lead in a private or commercial property, such as:
     
     
     • Items falling from shelves in a store
       
        
     • Part of the ceiling collapsing
       
        
     • Fixtures or furniture falling unexpectedly in a public place or business
       
        
4. Object Breakage Causing Injury
   
   
   • When a product or furniture item unexpectedly breaks or collapses, causing injury, such as:
     
     
     • A chair breaking when the lead sat on it
       
        
     • A bed collapsing in a hotel
       
        
     • A shelf detaching from the wall during normal use
       
        
   • These are not due to user misuse but product/facility failure.

Note : If the lead was the owner of the product and claims negligence against the manufacturer, such claims should be submitted under PI- Product liability. 

 

5. Exposure to Mold Causing Respiratory Issues
   
   
   • Situations involving mold in:
     
     
     • Rental properties (apartments, houses)
       
        
     • Hotels or motels
       
        
   • Where the lead developed respiratory health conditions due to mold exposure.
     
      
6. Injuries While Incarcerated
   
   
   • Any incident that occurred while the lead was in prison or jail, including:
     
     
     • Slip and falls
       
        
     • Assaults
       
        
     • Unsafe facility conditions leading to injury
       
        
7. Vehicle Malfunctions Due to Third-Party Negligence (Non-Manufacturer)
   
   
   • Incidents caused by mechanical failure not attributed to the manufacturer, such as:
     
     
     • Faulty repair work by a mechanic or service center
       
        
     • A rented vehicle that malfunctioned and caused injury or accident
       
        
     • Improper maintenance by a third party, not the vehicle owner
       
        
8. Work-Related Incidents Involving Independent Contractors
   
   
   • Injuries that occurred on the job for individuals not classified as employees, such as:
     
     
     • Day laborers, freelancers, or gig workers
       
        
   • Where the injury was due to negligence of the hiring party, unsafe conditions, lack of safety gear, etc.
     
      
9. Object Falling Off a Vehicle While Driving
   
   
   • When an object (e.g., cargo, equipment) falls off another vehicle (like a truck) and causes the lead to crash into it or otherwise get injured.
   • These incidents are not considered standard MVAs and should be submitted under "Others."
     
      
10. Police Brutality
    
     

• Any instance where the lead was physically harmed by law enforcement, such as:
  
  
  • Excessive use of force
    
     
  • Injuries sustained during arrest or while in custody
    
     
  • Any abusive or violent conduct by a police officer resulting in injury
    
     

11. Intentional Car Accidents
    
     

• Cases where another driver intentionally caused the accident, including:
  
  
  • Road rage incidents
    
     
  • Deliberate ramming or reckless targeting of the lead’s vehicle
    
     
• These are not treated as regular MVAs and fall under "Others" due to the intentional nature of the act.
  
   

12. Negligence by Ambulance Staff (Non-Car Accident Related)
    
     

• Injuries caused by improper handling or negligent care by ambulance personnel in situations not related to car accidents, such as:
  
  
  • Mishandling a patient during transport
    
     
  • Dropping a patient while moving them