Murphy's Law is not a Covered Event

If your child knocks over her glass while cutting a lamb chop and then the water spills into your lap, so you jump out of your seat but stub your toe and then fall into the electric piano, which falls off of the stand and crashes onto the brick floor while you flail your arms at it but lose your balance and sprain a wrist on the way down, then this would be considered a case of Murphy's Law, which under your policy is not a Covered Event and does not count toward your Out-of-pocket limit.