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Is It Really Worth Being Covered For Accidents?

I use to wonder why a person would spend money for accident insurance. First off, let me make this clear. I am not referring to auto accidents, although they would be inclusive in an accident policy. You must have auto insurance by law. What I am referring to is a sole accident policy that covers a person for any type of accident. Whether you were reaching for something in the cabinet and slipped and fell, or outside gardening, or as something so simple as stepping off the curb and braking an ankle or experiencing a sprain.

Most light accidents we don’t even seek medical help. We temporarily become self-appointed doctors and come up with our own remedy and weather the storm of pain. Can you remember the last time you had an accident and had to go seek medical assistance? It’s probably been a long time, right? Well the truth of the matter is very simple, why a person would carry accident insurance can be summed up in three simple words. “Just in Case.” Yes! Just in case of an accident.

That is the sole purpose of insurance anyway, wouldn’t you agree? To have the ability to transfer risk, we must be able to find a company that would compensate us in the event of a catastrophic event of loss. In this context, an accident.


The truth of the matter is this, we cannot tell the future and in the event we, or anyone of our love ones were to experience an accident that demanded we seek help from the medical community. We need to focus on getting well and not have a financial hardship of the accident hinder our recovery process. Does that make sense?

I know, you have never had an accident in your life and don’t plan on having one. I would agree with you if it were based on sound judgment. However, we cannot tell the future and the raw fact is this; anything can happen that is not within our own control. If you have kids, you would know they experience bumps bruises and minor accidents all the time. I am not referring to every single child. But, enough to warrant concern and statistics.

Did you know on Stamford Children’s website they posted statics about accidents with children? (Excerpt) “Each year about 100 children are killed and 254,000 are injured as a result of bicycle-related accidents.” The link to read the full article is here;  https://www.stanfordchildrens.org/en/topic/default?id=accident-statistics-90-P02853

Non-auto accidents are quite common, and in fact, you can have an accident just waking up and getting out of the bed the wrong way and pulling something maybe considered an accident. Slipping, breakage, and the list goes on.

Let me ask you this; if you or someone get hurt and you lose time from work who will pay the consistent monthly bills that keep coming. Sure, major medical may lessen the financial burden for the doctor and hospital bills. However, there are millions of Americans who are not adequately prepared with savings or credit cards to help them stay afloat in the event of loss of income.

There are so many Americans living paycheck to paycheck who may face devastating consequences should an accident occur in their family and were left with the inability to pay their living expenses. I want you to think for a few minutes about, what if this happen to you. Are prepare to pay your bills for a month or three months should an accident put you out of commission for a period of time. NO, SERIOUSLY, STOP RIGHT HERE AND THINK!

My question to you is, are you prepared? I heard many people say they cannot afford it. There have been people who have lost their jobs and had to move in with other family members, creating an enormous of amount of stress on both families. When all of it could have been avoided.

It sounds to me, you cannot afford not to be prepared. Find a reparable company today and see what your options are.

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