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1. AD's generally happen when we fail to follow the basic rules that we were taught as children.
2. I believe others are simple acts of God as you will find in most insurance policy.

In the early 1950's my Dad's father had a friend shoot himself climbing a 2 wire fence using his auto 5 to balance himself he slipped and caught a load of high brass 7's in his chest . My Grandfather picked him up and carried him nearly 2 miles to the car and drove him to the Dr where he died the next day. Now Grandpa said he had watched the man do that 100's of times quail hunting over 20 years together. Growing up I was taught to break open the action and lay it on the ground take 3 steps away from the stock end and cross the fence.
That is and example of a Act of God.