Accident Insurance Accident Insurance - Accident insurance is insurance that covers the insured person or his family in the case of an accident. People who have an active lifestyle are most benefited by accident insurance, although accident insurance is also helpful to aged or infirm persons who may suffer most in the event of an accident. Because accidents can happen any time or to anybody, having accident insurance may benefit anyone. As with most insurance policies, buying accident insurance is up to the purchaser. A person contemplating the purchase of accident insurance will have to weigh the costs versus the possible benefits. If the insured person is never involved in a serious accident, the money expended for accident insurance will be wasted. However, if a person chooses not to purchase accident insurance and then is injured in a serious accident, the results could be financially catastrophic. Persons without accident insurance may find themselves liable for a lifetime of round-the-clock medical care, expensive surgeries, and loss of wages. Accident insurance policies usually cover death or dismemberment, as well as hospital coverage and transportation to a hospital. Anyone who has paid for emergency helicopter transport to a hospital can vouch for the high costs that are involved after a serious mishap. Quelle "Accident Insurance" : General Main page for "Accident Insurance"