What does DAN consider an accident?

[saying]

Another thread (the snorkel one, actually) got me to thinking...

What does DAN consider an accident as far as equipment coverage is concerned? More specifically, say I'm out in the ocean, get seperated from my buddy somehow, and I come across a diver on the bottom... face down, reg in, unresponsive, and -- DAMN IT -- not breathing.

I get us both to the surface where conditions require me to make short order of extricating us both from our rigs with my z-knife, and set to respirating this ******* that ruined my dive. I get him to a boat, get him onboard, and respiration prooves effective (doesn't really matter as far as my real question is concerned, I just like a happy ending). Cuz comes to and we all have rum and cookies.

BUT

Despite my having inflated both our BCs for retrival, it has been swept out to the open ocean to be found 8 years from now by a Malaysian shrimp trawler.

How would DAN reward my succesful rescue?

 

[Aeolus]

I would not swear to it, but I do not think that this would be considered. DAN coverage is for injuries, unless you have seperate coverage for equipment. Even with that, I do not think that your scenario would be considered an accident on your part. After all, you did release the gear on purpose. In addition, I believe that I recall that the incident must be "under the water", as in, not on the boat nor on the surface. Don't you just love lawyers and insurance companies???