Accident Insurance Can Help Avoid Surprises

The economic impact of these fatal and nonfatal unintentional injuries - accidents - amounted to $820.6 billion in 2013. This is equivalent to about $2,600 per capita, or about $6,700 per household.*

Is this a financial burden that you could manage? Don't let the financial impacts of an accident take you by surprise.

Understanding Accident Insurance

  • Accident - an insurance policy that provides coverage, singly or in combination, for death, dismemberment, disability, or hospital and medical care caused by or necessitated as a result of accidental body injury or specified kinds of accident.
  • Accidental Death & Dismemberment - an insurance contract that pays a stated benefit in the event of death and/or dismemberment caused by accident or specified kinds of accidents.
  • Accident Only or AD&D - policies providing coverage, singly or in combination, for death, dismemberment, disability, or hospital and medical care caused by or necessitated as a result of accident or specified kinds of accidents. Types of coverage include student accident, sports accident, travel accident, blanket accident, specific accident or accidental death and dismemberment (AD&D).

 

Did you know?

  1. In 2013, more than 30 million people – about 1 out of 8 – were injured in non-work related incidents at home or in their community.*
  2. An estimated 9.2 million children annually had an initial emergency department visit for an unintentional injury.**

Personal Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills, child care or even yard work.  These types of policies can work well with both individual and group medical insurance plans.

Premiums can be competitively priced and some policies have decreasing deductibles over time.  Call or contact me today for more details.


*National Safety Council, Injury Facts – 2015 Edition
**www.cdc.gov