Accidents can have devastating consequences for your health and wellness. Even a single incident could inflict severe injuries that may significantly impact your short- and long-term health. Furthermore, accidents may also require you to seek extensive medical attention, which could lead to costly bills.
Accidents and injuries may be inevitable regardless of how safe and responsible your lifestyle. As such, you should consider protecting your family’s finances and future by acquiring accident insurance.
What Is Accident Insurance?
Accidents can occur anytime and to anyone. Even while in the safety of your home or while conducting low-risk, daily tasks, a slip and fall or momentary lapse in attention could have dire consequences. Fortunately, accident insurance can provide wide coverage across many potential incidents.
Accident insurance may be available as a standalone policy but can also be added to an existing health plan or employer-sponsored benefits package. If your employer offers group accident insurance, you and your family may be able to acquire coverage for lower premiums than you might otherwise find on the open marketplace.
What Is Covered by Accident Insurance?
While general health insurance may provide some financial assistance in the aftermath of an accident, additional coverage can help ensure that you and your loved ones can access all necessary resources to optimize your recovery. While the exact parameters of accident insurance policies may vary, they can generally include coverage for the following:
- Physical therapy/rehabilitation
- Cost-of-living expenses during recovery
- Transportation costs for rehab and ongoing treatment
Accident insurance may also help supplement your existing health plan by covering services that might otherwise be excluded. Furthermore, accident insurance may be able to assist with out-of-pocket expenses and deductibles made necessary by your health coverage.
Does Health Insurance Cover Auto Accidents?
Motor vehicle accidents are among the most harmful and costly incidents you’re likely to experience. Even the safest drivers may not be able to avoid all collisions. If you or your family suffer injuries from an auto accident, your health insurance can generally be relied on to provide financial assistance. In addition, many auto insurance policies include medical payments coverage (also known as MedPay) or personal injury protection (also known as PIP), which can help pay for healthcare costs. Still, it may be advisable to consider augmenting your insurance portfolio with additional accident coverage to ensure access to essential services and resources following an incident on the road.
Get the Best Coverage
The agents at Vanmar Insurance have served the Yakima area for over 25 years. We have the experience and knowledge to address your coverage needs and ensure that your choices provide optimal protection at ideal prices. Contact us today to get started.