A more thorough explanation:

Definition: Actual-injury trigger is a term used in insurance to refer to the point at which an insured person suffers damage or injury, such as during an automobile accident. This event invokes coverage under an insurance policy.

Example: Let's say you have car insurance, and you get into an accident. The actual-injury trigger would be the moment of impact when you suffer damage or injury. This event would then invoke coverage under your insurance policy.

The actual-injury trigger is one of several theories used to determine when an insurance policy is triggered. Other theories include the exposure theory, manifestation theory, and triple trigger. However, the actual-injury trigger is the most commonly used theory in insurance claims.