With regard to the definition of ”accident” in personal injury insurance, there are disputes among ”Accident Means” and ”Accident Result”. In comparative law, England, America and Germany have adopted the ”Accident Result”, thus to expand the scope of protection to the insured. However, most of our domestic courts have summited the ”Accident Means”, by modifying the ”voluntary act” into the ”cause of the accident” which is supposed to be considered as the insurers' burden of proof. Consequently, this modification alters the burden of proof into insured's accountability, augmenting the insured and the beneficiary's liability. In conclusion, in order to amend ”the intentional wrongdoing” as the burden for the insurer. ”Accident Result” should be adopted as a fundamental element within ”injury insurance” for future reference.