In the United States, 40,231 die each year in road accidents. The Centers for Disease Control and Prevention (CDC) had released the data related to deaths and their causes in the United States. 12 in 100,000 die each year by being involved in a vehicle traffic accident. The victims include drivers, passengers, and bystanders.
Although the roads in the United States are not as deadly in some of the other countries, people become victims of drunk driving and hit-and-run cases. According to a report by NBC, a man in LaBelle, Florida died in a motorcycle accident as he was trying to take a turn and lost control of the vehicle. The man was wearing a helmet during the accident. Still, he couldn’t survive the accident as the bodily injuries he suffered during the crash were too severe.
I have shared the above report just to make aware of the situation at hand. However, whether to go for Accidental Death and Dismemberment (AD&D) Insurance or not completely depends on your relationship with your family. Are you willing to spend a few bucks each month to make sure your family is covered after you pass away in an unfortunate incident? The choice is yours.
What Does Accidental Death and Dismemberment (AD&D) Insurance Cover?
1) If you lose your life due to a car accident.
2) If you work as a driver and get into an accident during work hours.
3) You got hurt during an accident merely by being in the vicinity of the crash. In other words, you are a bystander.
What Does Accidental Death and Dismemberment (Ad&D) Insurance Not Cover?
1) If you get into an accident while driving under the influence of alcohol or a psychedelic drug.
2) If war breaks out and you lose your life in a crash caused due to a weapon.
3) If you are driving after a major medical operation.
4) You are speeding over the set limit.
Is Accidental Death Insurance Worth It?
Yes. Accidental Death Insurance is definitely worth buying in 2020. Not only this policy covers your family and relatives but it also gives you assurity that your family won’t become homeless or go in massive debt after your unexpected death. To live a happy and fulfilled life, it is very important to know that your loved ones are always taken care of.
On the other hand, for those who do not have a family can skip buying this policy you have no one counting on you for security. Furthermore, you can always apply for Accidental Insurance if you get married later or have kids. As long as you have good eyesight and are generally fit, there won’t be a problem in getting this policy approved. Lastly, it also makes sense for someone in an unhealthy relationship to skip buying this policy.