Personal Insurance has the function of preparing for old age welfare. The personal insurance consists of life insurance, accident insurance and disease insurance. Insurance contract is a promise by one person to pay another money or any other thing of value upon the happening of a fortuitous event, beyond the effective control of either party, in which the promisee has an interest apart from the contract. The contract of insurance is the primary illustration of a class of contracts described as uberrimae fidei, that is, of the utmost good faith. As a result, the potential parties to it are bound to volunteer to each other before the contract is concluded information which is material. The requirement of utmost good faith has also been held to apply throughout the contract. We should regard the specific characteristic of each insurance art. This study concentrates on showing the definition of accident of personal insurance. The court cases was thereby examined and classified.