Casualty insurance. Important or not??
Car insurance quote, Today, many insurance agencies popping up for instance such as insurance that are much in demand that casualty insurance. Many people are wondering if all that need casualty insurance for someone? .Or Insurance is just a mere trend just to make it look classy in front of people?. Before getting a lot of questions, we first need to understand the definition and benefits of an accident insurance. As well as what it takes to get the accident insurance.
Accident insurance is a insurance or Assured guarantee / protection of :
- Defective fixed
- and / or costs of care or treatment as a result of an accident.
Accidents are meant here not because of deliberate action to obtain compensation from the insurance money. The accident should come suddenly from the outside, with violent, visible (the eyewitness), causing bodily injury (where bodily injuries should be determined by the location and nature of Medicine) .Not included the entry of germs or germs into body, with the exception of the entry of germs or seeds of the disease through bodily injury sustained as a result of an accident occurring.
For clarity the definition of “ACCIDENT” in Casualty Insurance, must meet nine (9) the following factors:
- Arrival of resources should Accident suddenly.
Arrival of the source of the accident should suddenly although due to its emerging / feels / occur after some time after the accident occurred. Usually within the policy conditions set timeout (Waiting Period) for 12 months, so if you develop Death or Permanent Invalidity as a result of accident that is guaranteed, the new policy occurs / occur within 12 months after the accident, still be guaranteed by the insurance.
- Arrival of accidents should be from outside sources.
This is to distinguish the causes that come from within man, for example: Disease.
- Arrival of accidents should be the source of violence.
Arrival of the source of the accident must be accompanied by violent elements in the form of violent chemical (poisoning) or physically violent (collision).
- Arrival source of accidents must be visible.
This is to distinguish the causes which come as fictitious, like inflicted Shaman or Witchcraft / witchcraft and so on.
- Arrival source of accidents should be direct and sole.
Direct: a direct hit on the human body. The only thing: do not be affected by other factors that may cause / enlarge the consequences occur.
This means that the result is going to be as a result of the direct causes and sole.
- Arrival source of accidents should not be desired / planned / deliberate.
Because things are desired / planned or accidental, it can be ascertained as a result of that will happen.
- As a result of the accident should be a physical wound.
- The physical wounds should be we did autopsy by Medical Science.
- The relationship between cause and effect must not be interrupted.
Various guarantees offered by the accident insurance, guarantee good when you’re on the move or not being active, working, driving or traveling, rest and so on for 24 hours. Accident insurance is designed to provide compensation on the risk of death, disability, and the impact of financial losses arising from the cost of medical care or hospitalization in the hospital because of a scene of the accident suffered by us as customers, either caused by traffic accidents and occupational accidents ( as described above).
As time passes and more and more people are interested in using accident insurance, so do not be surprised if the company engaged in insurance. One fairly well-known insurance company is Prudencial Plc or in the United States known as the national Jackson Life (JNL).
In addition to assure us when we had an accident, this insurance can also be assured future investment.