Main Advantages of AD&D Car Insurance
Car insurance, in the minds of most people, is something which can primarily help if one’s own vehicle gets damaged in an accident, or if he or she is responsible for damaging another person’s vehicle. However, since cars are driven and occupied by people, the damage can also entail medical expenses or even worse. Accidental Death and Dismemberment insurance, or AD&D, is meant to offer financial relief in case the worst possible outcomes of a traffic accident arise. And the best chance of finding a reliable AD&D policy is to use free car insurance quotes.
An Accidental Death & Dismemberment (AD&D) policy provides protection in the event that a person that is insured suffers a loss, which might mean loss of life, limb(s), sight, hearing, and/or speech due to an accidental injury. Accidental Death & Dismemberment is also referred to as double indemnity insurance as it can double the benefit for plan members who die as a result of an accident. Most Accidental Death & Dismemberment policies cover both “loss” and “loss of use”. Loss is generally defined as an actual severance whereas a loss of use must generally be total and irrecoverable.
The main advantage with AD&D is that it tends to be cheap, because claims for it are rarely made. And if the type of activities in which you engage on a day-to-day basis put you in risk of having a serious accident, having AD&D insurance can be an effective way to have financial protection against a sudden tragic loss. For those policyholders who are employed in various high risk occupations and therefore covered by Workers’ Compensation benefits, AD&D is often implemented on a non-occupational basis. In general, coverage can be provided on a 24-hour or non-occupational basis.
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