ACCIDENT INSURANCE
One More Step to Being Better Prepared as a Motorcycle Rider.
As shown in one of the above pictures, we all hope nothing happens on our ride, and we safely go down the road. We all hope that we never have an accident on our bike.
Motorcycle riders know the importance of taking steps
to protect themselves. This often includes rider training, the wearing
of good protective gear, and proper maintenance of their bikes.
Yet, there is still one more often over looked but very important step to
consider..
I’d like to introduce one more item to your riding protection, in case you go down: Accident insurance from Allstate. It can be a valuable part of your protection when you ride. Its like extra padding when you need it most. But this is extra padding for something else we all care about: our wallet!
In fact, you can go down and be injured in a small or very big way. But no matter what the injury is, if you incur expense due to the accident, Allstate Accident Insurance can soften the financial blow.
Is this Accident Insurance for Motorcycle Accidents Only?
No. This Accident insurance is not limited to simply motorcycle accidents. It also applies to almost any accident: auto accidents, accidents at home involving tools, falling off a roof or ladder, bicycle injuries, work-related accidents; tripping and falling; accidently cutting your finger or hand in your kitchen; electrical shock; sports injuries, cuts or abrasions from sports; camping, hiking or hunting; softball or basketball; injury to teeth; even, an injury on an ATV, dirt bike or horseback riding. Almost anyone in an Emergency Room due to an accident could be eligible to use this Accident insurance.
Is this Health Insurance?
No, it’s not health Insurance; health insurance covers both Accident and Sickness. Accident Insurance covers Accidents only, not simply getting sick (but, there is an option to add Disability Income due to sickness).
Also Accident Insurance is “supplemental insurance” intended to “supplement” your existing health insurance. It is also referred to as a Limited Benefit Policy. It does not completely take the place of health insurance. But then again, it is much less expensive than health insurance, too.
Can You have both Health Insurance and Accident Insurance?
Yes. And, if the expense is covered on both policies, you can file a claim on both. Any claim paid by Allstate Accident Insurance is paid directly to you, so it’s cash in your pocket. Usually, health insurance has co-payments and deductibles. This Accident insurance has no deductibles, so one major benefit of this Accident insurance is to recover your ‘out-of-pocket’ health insurance co-payment or deductible.
Accident Insurance and Your Employer Insurance:
One other advantage to Accident Insurance is that it is completely independent of insurance at your job. If you change jobs, you may lose your Employer-sponsored plan, but you can keep this insurance no matter where you work, if you are unemployed or if you are retired.
So How does Accident Insurance Work and What does it Cost?