Are You Prepared For An Accident?

Have You Considered A Supplemental Accident Insurance Plan?

There have been numerous studies conducted throughout the years that have continually lead to the same conclusion…The younger you are, the more likely you are to die as the result of an accident over any other cause of death. Accidents are the leading cause of death through the age of 44. In 2007 there were over 123,000 accidental injury deaths in the United States alone!

But what about accidents that do not result in death? Again, from statistics taken from a CDC report in 2007… There were over 34 million injuries attended to in emergency rooms across the country, the majority of them not happening on the job.

Accidents don’t just happen when you are driving your car, or away on vacation. An accident can happen anywhere at anytime to anyone. But while we are on the subject of automobile accidents, lets consider this…

Every car driven in the United States is required to be covered by an auto insurance policy. These are designed to help cover the costs to repair damages to the body of the vehicle and some medical coverage for injuries sustained by those involved. If ever you need to use your auto insurance, that alone might not be enough to protect yourself. Most plans have a low limit of liability for medical treatments associated with a car accident.

A supplemental personal protection plan that covers accidents specifically is an excellent way to hedge you against a large monetary setback when an accident occurs. These types of plans will typically provide cash to the policyholder they can use however they desire. If they need it for their deductible or copayments to the hospital/doctor/chiropractor they can use the money there. If they need it for travel, gas, lodging, food or to keep the lights on and water running at home, they can use it there. Accident indemnity plans are designed so the policyholder can use the cash benefit where they see fit.

Accident Insurance is not just something you should think about for yourself, either. If you have a spouse or children, you should consider looking into plans that will cover them as well. It is something that many people do not like to think about, but purchasing additional protection over your regular health and life insurance plans can be an affordable and effective way to close the coverage gap and give you and your family considerable peace of mind.

We call an accident an accident for a reason; we don’t plan for them. We don’t anticipate them. Accidents happen when we least expect them. But, they do happen. Without them life would be boring. The risks we take make life worth it. Wouldn’t it be great to be better prepared knowing that eventually you may have to deal with the consequences of taking a chance? Don’t get caught off guard and saddle your loved ones with debt and trouble as a result of your accidental injury (or death). Get the proper protection of accident insurance today. Ask Affleck About Aflac!