In insurance speak, personal accident insurance is defined as an unintentional accident due to external, violent and visible means. Personal accident policies cover you for one or more of four contingencies in the event of an accident: death, permanent total disability, permanent partial disability and total disability. In the event of such contingencies, a personal accident policy will provide for payment of a lump-sum, either the full sum or a percentage of it.
Besides death due to natural cause, personal accident policies don't cover disability or death due to:
1. War and nuclear perils, civil disorders, flying in an aircraft as a pilot or crew member, and breach law with criminal intent.
2. Driving or riding in any kind of race, playing professional sport, intentional self-injury, suicide, pregnancy, sickness or disease.
3. Any existing disability.
4. Any injury sustained under the influence of liquor or drugs.
It is important to have accident insurance in order to be prepared for the unexpected. Having accident insurance will prevent major expenses but not all resulting in an accident.
Trying to get insurance to cover an accident that has already happened is Insurance Fraud, which is a Felony.
Allstate, Liberty Mutual, GEICO, and Nationwide offer accident insurance to customers seeking accident insurance.
Personal accident insurance covers the insurance in case of an accident during working hours and leisure time. Accident insurance varies based on the premium, but it usually covers the hospital expenses and additional expenses.
Accident insurance is typically very cheap because it restricts coverage to a claim involving death resulting from an accident which has a low statistical probability. Whether or not a man is "healthy" is of no relevance for "accident insurance". There are actuarial tables available that show the chance of death by accident by age and gender. If you are asking about "accident insurance" that will replace your income if you are hurt in an accident, that is typically very cheap as well. I am certain that you can get instant online insurance quotes for "accident insurance" if you use a search engine to seach the phrase "buy accident insurance"
yes yes
It could be an insurance policy taken out with an insurance company in case of an accident.
If the car that was involved, in an acident was insured yea!
Yes it does. The cancellation of an insurance policy is not retroactive.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
George H. Kline has written: 'Regulation of mail order accident and health insurance' -- subject(s): Accident Insurance, Health Insurance, Insurance, Accident, Insurance, Health, Mail-order business
Accident Insurance - 1913 is rated/received certificates of: USA:Approved