No matter how careful and safe you may feel to be, accidents will always happen. Should the unexpected occur, be sure to have proper insurance protection. In practically every state companies are mandated by law to have workers’ comp coverage for any injuries that might happen on the job. Though this is true, what doesn’t get publicized is the fact that this kind of insurance will not protect you in the event that you are injured off site, if you have pain and suffering claims, or are faced with a multitude of expenses that occur when you are put out of commission for a period of time. Purchasing accident insurance can help to fill in all the gaps in your existing coverage.
Accident insurance helps to pay for such things as medical expenses, emergency room visits and even the transportation to the hospital and other out-of-pocket expenses that normal health insurance ordinarily will not cover. And savings are often available by bundling policies with one company.
Coverage of this kind has quite a few options and all for a range of premium prices. The higher limit accident insurance policies are designed to cover those who are at a bigger risk of being involved in some kind of an accident due to the job description. For example, pilots, stock-car drivers, climbers and folks who are elderly all might benefit from this kind of insurance. Some policies offer pay-out benefits to the insured’s family should he or she die. Some will cover you should you become permanently disabled or just temporarily so. Most insurance providers will reimburse you in cash for your expenses and, if you have the right plan, you might have the freedom to pick the hospital or physician of your choice.
An Accident insurance policy can very well be a proverbial life-saver in the event that the unexpected occurs. Contact one of our professionals to see how you can obtain the policy that is perfectly tailored to your individual needs. Our quotes are easy, simple and free to obtain.