As often as we try to avoid them, accidents are inevitable. While many people’s minds automatically turn toward car collisions on icy winter roads this time of year, there are risks everywhere. Should you be injured or, unthinkably, killed, you want the peace-of-mind of knowing that your family has the financial resources to withstand such an emotionally distraught time. Accident insurance covers a variety of injuries and is an effective supplement to life, health, and auto insurance. For those unfamiliar with this type of coverage, the information below should help you decide if it's right for you.

Why You Should Consider Investing in Accident Insurance

Accidental Death

Accident insurance pays a death benefit to your loved ones, should something unfortunate happen to you. It covers traffic accidents, workplace incidents, over-exposure to the elements, and falls.

Permanent Disability

If you suffer a permanent total or partial disability, you can collect a benefit to help you adjust to the new situation. For instance, if you should lose a limb or an eye, it will help you cover medical expenses and lost wages.

Temporary Disability

Even if the disability is only temporary, your accident insurance policy will provide you with a weekly payment up to an agreed-upon limit. This will help hold you over until you are well enough to work again.

No Medical Tests

Some types of health and life insurance require medical tests or a doctor's exam before coverage can be finalized. Accident insurance comes with no such hassle. Coverage can often be completed by filling out a simple online form.

 

For invaluable guidance designing an accident policy, contact Robert Rung Insurance, an experienced agency in Lincoln, NE. They have been helping clients throughout Lancaster County for more than 45 years, also specializing in cancer, life, and long-term care coverage. Visit their website to view their other products or call (402) 483-2279 to request a quote.