Guide to Understanding Personal Accident Insurance Plans


The types of accidents and injuries covered vary depending on the insurance company and the policy. Typically, these policies cover various forms of disability and fracture injuries. It may also include lacerations, concussions, eye injuries, burns, and dental injuries.

Always review the entire list of qualifying injuries when comparing policies. Some options may only cover a very limited set of injuries, while others may cover almost anything.

If you break a bone, dislocate your shoulder, or burn yourself, you should have no problem filing a claim. In most cases, the payout is determined based on the accident.

Almost all accepted injuries fall into one of two categories – disability and fracture injuries. Disabilities include permanent injuries that impact your ability to care for yourself or continue working.

You may receive coverage when you lose your eyesight, hearing, speech, or limbs. Those are disabilities.

Fracture injuries include different parts of the body. This may consist of fractures to fingers, kneecaps, elbows, wrists, ankles, feet, ribs, nose, neck, and almost any other part of the body.

These policies typically limit the payout based on the type of injury. For example, you may only receive a couple of hundred dollars for a finger fracture or several thousand dollars for the permanent loss of eyesight.

Personal injury insurance does not cover self-inflicted injuries, accidents related to prior illnesses, or injuries caused by dangerous behavior. If you were under the influence or committing a crime during the accident, you do not receive a payout.





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