Insurance is not a subject that many people think of unless they are in a situation where they wish they either had it, or had more of it. Everyone is guilty of trying to cut corners, in order to have more money in the bank, but insurance should not be one of those things. Insurance should always be a priority in your budget, and in many cases it will save you much more than it cost.
Maybe you should sit down and think about your life, such as the hobbies and activities you are involved in, or possibly the type of job you have. Your lifestyle can play a big part is how much insurance you should carry. Are your children in sports, or do you have a dangerous job? These are questions that really need to be addressed. If you don't have enough money in the bank to live comfortably for six months, without a job, then you need to have insurance.
Of course, everyone should have health insurance because that is the main insurance protection for you and your family, but health insurance can still leave medical expenses behind for you to pay. If you, like some people, are already living paycheck to paycheck, then extra bills will only cause you more stress.
Many people who end up in the emergency room or hospital have had an accident. It doesn't matter how careful you are, accidents can, and will, happen. Sports related accidents for children are high on the list.
You should consider supplemental accident insurance because it doesn't matter if you get hurt on the job, or in your off time hours, you health insurance just will not cover it all. Even great benefits such as Workers Compensation only pay a percentage of your regular monthly salary.
Supplemental accident insurance can help fill in the gap where your other insurance stops. There will be deductibles, and co-insurance bills to pay, plus you may just need money for groceries. When you purchase supplemental accident insurance the cash benefits come to you, not to the medical provider. This is a big help when the paycheck is smaller due to being off work.
Don't wait until you are off work, wondering where you are going to get the money to feed your family or pay your bills. Find a supplemental accident insurance policy that fits your budget, and will give you the extra protection you need when accidents happen.
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