what is accident insurance

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PostPosted: Fri Feb 17, 2012 10:04 pm   Post subject: what is accident insurance  

looking for insurance to cover me on or off job


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PostPosted: Mon Feb 20, 2012 9:27 am   Post subject: home insurance  

Hi,

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Ashutosh87
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PostPosted: Mon Feb 20, 2012 1:03 pm   Post subject:   

Off the job, you'd be covered by your private health plan (if you have one). In the long run, life insurance (accidental death) will cover the needs of your family in case you encounter fate. On the job, you should be covered by your employer's group health plan and workers compensation (if you are not self employed that is).

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PostPosted: Mon Mar 12, 2012 3:54 pm   Post subject:   

Accidental life insurance is a little expensive. Are you worried about an occupational hazard? You should get some LINK REMOVED BY MODERATOR MAXHERR PER TOU term life insurance[/url] at the very least which will cover your death for almost any reasons (except suicide and fraud), including an accident.





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Disclaimer: I work for AccuQuote and this is my personal opinion.

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PostPosted: Tue Mar 13, 2012 10:45 am   Post subject:   

Quote:
this is my personal opinion


Obviously.



And just as obviously, you are probably NOT a licensed Life Agent. If you were, you would know that LIFE INSURANCE does pay for death by suicide, and possibly even if an application was fraudulently submitted, AFTER THE POLICY BECOMES INCONTESTABLE (two years in most states and policies).



You are also wrong about the cost of ACCIDENTAL DEATH BENEFITS. They are not very expensive at all, because they rarely pay claims.


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PostPosted: Fri Mar 16, 2012 3:20 pm   Post subject:   

I think auto insurance will cover the accidents in it, if i am not right provide correction of this statement.



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PostPosted: Fri Mar 16, 2012 7:06 pm   Post subject:   

If you meet with an accident then Accident insurance not only takes care of your medical expenses but also other expenses like transportation, lodging etc. Here compensation is given in the form of cash which in given to you and you can use it the way you want.

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PostPosted: Fri Mar 16, 2012 11:02 pm   Post subject:   

Quote:
If you meet with an accident then Accident insurance not only takes care of your medical expenses but also other expenses like transportation, lodging etc. Here compensation is given in the form of cash which in given to you and you can use it the way you want.


Please don't rely on this statement. It is almost entirely incorrect.



Quote:
I think auto insurance will cover the accidents in it, if i am not right provide correction of this statement.


Auto insurance does not provide accidental death benefits, which is what the OP's question concerns.


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