"Michigan Traffic Crash Facts
GLOSSARY
...
Harmful Event - A harmful event is an occurrence of injury or damage."
( http://www.michigantrafficcrashfacts.org/doc/2001/cpre_6.pdf )


"RandMark40
Insurance glossary
...
Peril: A harmful event which may be covered under a contract of insurance or reinsurance as an insured peril or excluded from it. A contingency or fortuitous happening which could cause losses."
( http://www.randmark40.com/index.php?option=com_content&view=... )


"Office of Public Sector Information (OPSI), UK
Text of the Lugano Convention
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In respect of liability insurance or insurance of immovable property, the insurer may in addition be sued in the courts for the place where the harmful event occurred. The same applies if movable and immovable property are covered by the same insurance policy and both are adversely affected by the same contingency.
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which is concluded between a policy-holder and an insurer, both of whom are at the time of conclusion of the contract domiciled or habitually resident in the same Contracting State, and which has the effect of conferring jurisdiction on the courts of that State even if the harmful event were to occur abroad, provided that such an agreement is not contrary to the law of the State; or..."
( http://www.opsi.gov.uk/acts/acts1991/ukpga_19910012_en_2 )


"Pravosudna akademija
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(3) u stvarima koje se se odnose na štetu, delikt, ili kvazi-delikt, pred sudovima mjesta gdje je nastupio štetni događaj;
...
(3) in matters relating to tort, delict or quasidelict, in the courts for the place where the harmful event occurred;..."
( http://isite37.isite.com.hr/Download/2005/04/08/ws01_Rijeka_... )