Accident Insurance

accident

Accidents most often happen doing the types of things you do every day.

  • Sports and hobbies
  • Maintenance projects around the house and yard
  • Grocery shopping
  • Commuting to work everyday
  • Walking out the door on icy steps.

Just as these activities are a part of normal everyday life, unfortunately accidents are also a part of everyday life. We don’t think about the accidents that are going to happen today. That’s why they’re called accidents. We can’t plan for them, but we can be prepared. Think on this:

  • In 2004, The National Safety Council states there were 23.2 million accidental disabling injuries.
  • On average, there are about 2,650 accidental disabling injuries every hour during the year.

A trip to the emergency room can cost hundreds or thousands of dollars. A really great insurance policy will cover most of those costs. If you have a high-deductible plan, though, you have a sizable chunk of change to shell out before the plan kicks in. A supplemental accident plan added to a high deductible health insurance plan can provide you with the cash to meet your deductible.

For a very modest monthly premium, you can add a supplemental accident plan to your coverage that cover $5,000 or $10,000 after a $100 deductible. Because these accident plans are very inexpensive, you may be able to keep your premiums lower while greatly reducing your exposure to risk for the type of claims you're most likely to need your health insurance for - an accident.

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