In this video we'll talk about accident insurance; why you should consider having it; what it covers and how it works.


Why should you consider accident insurance?
According to the National Safety Council, more than 25 million people in America suffered a disabling injury every year between 2005 and 2008.

If you're in an accident, there may be medical bills and expenses that you did not anticipate, like high deductibles or other out-of-pocket costs.

Depending on the type of major medical insurance you have, some hospital bills, doctor's fees, rehab and physical therapy costs may not be covered by your major medical insurance policy.

And, if you're unable to work, your regular bills, like your mortgage or rent, utilities and auto payments don't stop coming.

Unless you have a robust savings account that can handle large unexpected expenses, accident insurance may be right for you.


What can accident insurance do for you?

Accident insurance helps provide you with a way to stay ahead of the medical and out-of-pocket expenses that you may face after an accidental injury.

Accident insurance provides you with cash benefits that are either paid to you directly or that can be assigned to someone else -- at your discretion.

And, you decide how best to spend the funds.

Accident insurance is designed to help you protect the money you've saved from large, unexpected expenses due to an accidental injury.


How does accident insurance work?
- With accident insurance you may receive cash benefits to help with expenses that may not be fully covered by your major medical insurance;
o things like Broken teeth;
o Concussions;
o Confinement to an Intensive care unit;
o visits to the emergency room;
o and more.

- With accident insurance you may also receive cash benefits, which can be used at your discretion to help with things like housing, gas, electric and cable bills; or payments for vehicles - like cars, boats and motorcycles.

Accident insurance is designed to help provide you with peace of mind.

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