517 A.2d 800 VERMONT MUTUAL INSURANCE COMPANY v. MILLER DAY MALCOLM No. 85-357Supreme Court of New Hampshire Belknap Decided October 2, 1986 1. Words and Phrases — Accident An accident is an undesigned contingency, a happening by chance, something out of the usual course of things, unusual, fortuitous, not anticipated, and not naturally to be […]