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Accident Insurance
They’re called accidents for a reason. You usually can’t anticipate or control how, why or when they’ll happen. But you can prepare for the aftermath of an accident by making sure you have adequate insurance coverage.
Supplemental accident insurance can provide benefits that your regular health or disability insurance doesn’t. Depending on your policy’s coverage, accident insurance can help make up for lost income, pay your bills and protect your savings.
What is accident insurance?
One out of 4 of us will receive an injury as a result of an accident*. Not only could an accident cause serious problems for you physically, but it could also threaten you financially. Accident insurance provides benefits that can help protect your savings and financial stability.
Accident insurance is a type of supplemental insurance, used to fill gaps left by your other policies. Your benefits may be used to cover some of the things your health insurance doesn’t, such as transportation costs, over-the-counter medications and childcare.
Accident insurance benefits
While accident policies differ from one another, these are some of the benefits commonly offered with a basic supplemental accident insurance plan:
- A lump sum amount following an
accident.
- Benefits in varying amounts for
dislocations, fractures, loss of limbs or
death.
- Hospital confinement
allowance.
- Benefits for medical expenses,
including physician fees and cost of
x-rays.
- Coverage for individuals or your
whole
family.
- Coverage for an unlimited number of accidents.
Some premium policy features (which usually cost more to add to your policy) may include:
- Disability benefits to help replace
lost
income.
- High daily allowance for hospital confinement.
Do you need it?
You may not need accident insurance if you already have comprehensive health and disability coverage and adequate financial resources to pay for accident related injuries. However, you should consider purchasing accident insurance if:
- You can’t afford the extra bills
associated with an
injury.
- You can’t afford time away from
work and may not have enough in savings to keep up with
mortgage, credit card, utilities and car related
bills.
- Your savings are earmarked for
long-term
goals.
- You want coverage that’s not tied
to an
employer.
- You are your family’s sole wage
earner.
- You don’t have any form of disability coverage.
Millions of Americans are seriously hurt
in accidents every year.
Many of them are disabled. Some die. And they all have one thing in common; they thought
it wouldn’t happen to them. Some have Accidental Death and Dismemberment Insurance
some don't. DO YOU?
Sadly, that’s just the start of the problems for families, especially when it’s
the breadwinner who’s the victim of an accident and there’s no insurance. Even an accidental
injury to a child can be a major drain on your family’s finances.
It doesn’t have to happen. For a few dollars a month, you can protect your loved
ones from financial disasters. And, if nothing happens, the peace of mind is worth the small cost.
Click Here To Get A Free
Free Accident Insurance Quote
