Learn Farsi: بیمه تمام مبلغ را پوشش می‌دهد، مگر اینکه حادثه عمدی باشد. - The insurance covers the total amount, unless the accident is intentional.

The phrase magar inke (unless) introduces a condition or exception, which means the event isn't a stated fact yet. In Farsi, this requires the following verb to be in the present subjunctive form. So, instead of using ast (is), we use bāshad (the subjunctive form of the verb 'to be').

Why is the object marker rā (را) placed exactly where it is?

The word rā must immediately follow the specific direct object of a sentence. Here, the action of covering is being done to 'the total amount' (tamām-e mablagh). Since this is a specific, known amount, the whole noun phrase gets marked with rā right after it.

How does the verb pushesh midahad (پوشش می‌دهد) translate to 'covers'?

This is a compound verb made from the noun pushesh (coverage) and the verb dādan (to give). Literally, it means 'it gives coverage'. It is in the regular present tense (present indicative) because it is stating a general, factual rule about the insurance policy.

How does the word amdi (عمدی) mean 'intentional'?

In Farsi, adding the suffix -i (ی) to the end of a noun often turns it into an adjective. The root word here is amd (عمد), which means 'intent' or 'purpose'. By adding -i, it turns into the adjective amdi (intentional or on purpose).