Personal Accidents
Accident on a Foggy Night
I happened to be on my balcony when I heard an accident at the intersection of Hyde and Post. I’d seen accidents there before, but this one involved two personal cars, but also a San Francisco Muni Bus! Plus, it gave me a chance to use my 300mm telephoto lens.
Personal accident insurance
Article by Vincent Yeong
Many people bought life insurance without personal accident policy, actually without this policy the coverage is insufficient, because the protection against injuries is important because when we are injured, we can’t work, the period we rest at home has no income, and the medical expenses could be expensive. To avoid facing crisis like this, a personal accident insurance is essential; we don’t know when accident occurs, how bad it is and how long we need to recover.
Coverage of personal accident
This policy covers death or injury due to accident, unlike life insurance, it only covers death. If a person owns a personal accident policy, he can make a claim if he injured accidentally. In the event of death the beneficiary will receive the full amount of sum insured. If the insured injured badly and categorized under permanent total disablement, such as loss of two limbs or two eyes, 100% of sum insured is payable to the insured.
This policy also covers the insured in the event of loss of sight, hearing, or loss of the use of knee, ankle, fingers and toes or any part of the body. Minor injuries are payable by percentage according to the specification. But if all these happened 12 months after the accident, the insurance company will not compensate the insured.
However, there are some exclusions of compensation of this policy, such as suicide, accident under the influence of drugs, alcohol, consequences of pregnancy, war, criminal breach of law and some other conditions that specified by the insurance companies.
If the insured has an existing illness, disease or injury, and are worsened by an accident, the insurer reserves the right to assess the effects that the condition, sickness, disease or injury impact on the insured physically, and the compensation can be reduced.For personal accident policy, the compensation is categorized as permanent total disability, permanent partial disability and temporary total disability. Each category is subject to a different percentage of compensation.
Premium
The calculation of the premium is based on the nature of occupation of an individual, and the classification of occupation also varies among different insurance companies. The premium can be paid weekly, monthly, quarter yearly, half yearly or yearly, because the premium is far less as compared to other policies, people normally choose to pay their premium yearly.
Benefits
The benefits of personal accident comes in handy when the insured hurt in an accident, he suffers not only bodily pains but also financial crisis, because when someone is injured he needs some time to recover, he can’t work, that means he has no income.
Life insurance policies such aswhole life insurance or term life insurance cover the insured for his life only; they don’t cover the injuries caused by accident. To have protection against injuries personal accident insurance is essential, know more on this policy by visiting accidental death or accidental insurance, so please log on to http://www.indianapolislifeinsurance.net/index.html
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Personal Accidents
By Ellen Roseman Personal Finance Columnist In just one second, your life can be turned upside down by a motor vehicle accident. Whether you're driving, cycling or walking, you're a heartbeat away from a serious injury and a fight with an insurer to …
Personal Accidents question by Merri B: Where can I find families who have lost a child by personal water craft accidents?
Personal Accidents best answer:
Answer by jyd9999
google it