If you’ve been in an accident in Portland, Oregon, you know it can wreak havoc on your savings if you’re not prepared. That’s why there’s accident insurance. It helps cover medical expenses and living expenses if you get hurt unexpectedly.
What Is Accident Insurance?
Accident insurance is supplemental insurance that will help cover additional expenses as it relates to an on or off-the-job injury. Regardless of any other insurance policies you have, accident insurance benefits are additional benefits that are paid directly to you, over and above what your primary health insurance covers.
Accident insurance can pay you a lump sum benefit for on or off the job accidental injuries, plus some medical benefits. Because accident insurance is supplemental, it works in addition to other insurance you may have. You can use the policy on its own or to fill the gap left by your other coverage.
What Does Oregon Accident Insurance Cover?
Things like transportation costs to and from doctor’s appointments, over-the-counter medicine, and childcare won’t drain your bank account while you’re recovering.
Accident insurance with expanded benefits includes:
- Benefits paid directly to you unless assigned
- Benefits paid regardless of other coverage
- Coverage for you, or you and your family
- Guaranteed renewable to age 70, subject to change in premiums by class
How much does accident insurance cost?
The accident policy costs less than $200.00, and would pay up to 10′s of 1000′s of dollars if it became necessary to make a claim.
Who typically needs accident insurance?
Accident insurance is your insurance, not your employers. Your benefits are renewable and guaranteed to the age of 70 regardless of where you live and work.
Choosing the right accident insurance plan
Whether you’re the person that is skiing every weekend and wants the ambulance and dislocation/fracture benefits the basic plan offers at around $35 a month, or the primary breadwinner that needs the Optional Sickness Disability Income Rider, we have just the plan for you and your family.
There are several accident insurance plans to choose from, so customizing your benefits is easy and affordable. We’ll help you select the right type of supplemental coverage based on your family’s needs. Please call our office at 503-255-7828 to learn more.