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Definite loss: The loss takes place at a identified time, in a identified place, and from a known cause. The classic example is the loss of life of an insured particular person on a life insurance coverage policy. Hearth , vehicle accidents , and worker accidents may all simply meet this criterion. Other varieties of losses may solely be particular in theory. Occupational disease , for instance, might contain extended publicity to injurious situations the place no particular time, place, or cause is identifiable. Ideally, the time, place, and reason for a loss needs to be clear sufficient that an inexpensive person, with adequate information, may objectively confirm all three parts.