Accident Insurance Guide

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Accident Insurance Can Help You Recover During Difficult Economic Times


Many people are facing financial difficulties as a result of the recent economic downturn. Jobs are being lost, homes are being foreclosed and teenagers have to delay going to college until their family's finances can bounce back. Of course financial difficulties can arise from many different types of scenarios.

For millions, an injury or illness can send them into a financial downward spiral. The best way to avoid this crisis is to purchase accident insurance coverage before an unexpected crisis occurs.


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There are many benefits to having this type of coverage that will protect you and your family from uncertainty.

By definition, accident insurance provides cash benefit assistance to a person who has sustained injuries which makes it impossible to continue to work. Specific benefits will vary depending on the state in which you live.

Talking to an insurance specialist will help to clear up any questions you might have about the limits of your coverage.

You can receive benefit payments for charges and services that are not covered by a regular insurance policy for such things as hospital admission, intensive care, emergency room treatment, recovery period after hospital procedures and outpatient surgery. Some after accident insurance plans may also pay the lodging expenses for family members.

The cost of medical services such as hospitalization, emergency room care and outpatient procedures can far exceed the average family's budget. Yet, there are still millions of families who are not covered for such expenses.

Obtaining accident insurance can help to give you peace of mind, knowing that you and your family are protected and taken care of when disaster strikes.

There is no waiting period because coverage starts immediately after the policy is issued, 24/7. You will have the convenience of payments being made directly to you, rather than to the medical services company. Another benefit is that there is no age penalty which may result in a reduction of benefits.

You also have the option of selecting the level of coverage which you deem is right for you and your family's budget. There is no one-size-fits-all policy. The level of coverage selected will further define what is covered.

Your place of employment should be a factor in determining the appropriate level because a majority of accidents are job related. It is possible to receive benefit payments for minor and major fractures, a concussion, physical therapy, and health screenings.

Other benefits may also include routine examinations and preventive testing, again, depending on the type of plan and company you select.
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Accident Sickness Unemployment Insurance Can Help You Weather A Storm

By Melissa Steele
One of the biggest threats to a person’s livelihood is the possibility of being in an accident which leads to short-term or even long-term unemployment. Americans have gotten out of the habit of saving, with very few families having at least six months of living expenses saved.
[READ FULL ARTICLE]

Colonial Life Accidental Death Insurance Review

By James Monto
The company was founded in April 1939, and the original mission remains the same today: "To help America's workers preserve and protect the vitally important things they work so hard to build." The first product Colonial Life sold was accidental death coverage, which was offered as an employee benefit.
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What Is an Accidental Death Policy?

By Peter Martin
A life insurance policy typically pays a beneficiary a lump sum if the insured dies, but an accidental death policy is different in that it also provides for the possibility of a payout if the insured is injured.
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Don't Get A Premium Increase With Insurance Accident Forgiveness

By Dr. Kavita Shaikh
Having a good driving record, among other things, affects your insurance rates both positively and negatively. However, one of the main factors that keeps your insurance low over the years is whether or not you have ever had an accident.
[READ FULL ARTICLE]

Student Accident And Sickness Insurance Provides Health Insurance For College Students And Their Dependants

By Frank Martin
Going to college can be an interesting experience that requires a lot of changes in your life. There are a great many expenses involved as well, from books to tuition, food, and having a place to stay, but what many undergrads forget is their health.
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Group Personal Accident - A Must-Have For Employers

By Richard Romando
Group personal accident is an insurance policy that covers the expenses associated with accidents. It is a perfect option for employees to get protection against unexpected mishaps that may take place while they are working.
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Common Carrier Accident Insurance Brokers

By Jared D. Ingram
You can spend a lot of time researching the different type of insurance and still not find exactly what best suits your individual situation. For this reason many consumers seek the advice of a common carrier accident insurance broker.
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Accidental Death and Dismemberment Insurance

By George Melzer
Accidental death and dismemberment insurance, or AD&D, pays a benefit to a beneficiary in the event of an accidental injury. It's often included as a rider or add-on to life or health insurance policies, but it also can be purchased as a stand-alone policy.
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