Article  Accident Cover For Stress Free Recovery Accident cover, also known as accidental death and serious injury insurance, is one of those insurance options that often are not fully understood or considered. This insurance plan is specifically designed to provide your family funds in the event of an accidental death at any point in time after the policy is in place. In addition, and different than many types of life insurance policies, this cover will pay out in the event that you are seriously injured and cannot work, giving you and your family financial security in times of injury and rehabilitation. Accidental death is a term that may seem a bit confusing at first glance. In insurance policies accidental death refers to a death that occurs within 90 days of an accident. An accident, in turn, is an event that occurs because of violent, external and visible means that are accidental or unplanned. Issues such as self inflicted injuries are not considered accidental, nor are cases when other factors contributed to the injury that did not meet the criteria of being accidental. With the 90 day extension from the accident to the death a wider range of protection is offered to the family. Serious injury and accident cover provides options for recuperation and healing after a very serious accident occurs. The injury doesn't have to be immediately evident at the time of the accident but has to be diagnosed within a 12 month period following the accident and must be directly related to the accident that occurred. Often issues such as quadriplegia, paraplegia, or hemiplegia, which is the loss of motor functioning on one side of the body, aren't diagnosed until a considerable time after the incident. These types of motor impairments are typically a result of an injury to the spinal cord or the brain, typically resulting in significant loss of functioning that is permanent and life changing. Other types of issues covered by serious injury and accident insurance include loss of vision or hearing, depending on the cause of the sensory loss. The total and permanent loss of two or more limbs is also fully covered under this type of insurance. Like most types of life insurance options, accident cover and serious injury policies are designed to meet your needs. Coverage levels are variable with the policy holder able to determine what coverage is the best option for his or her family or survivors. This insurance is typically combined with life insurance as funeral expenses cover and serious illness cover in addition to a basic family life cover. This comprehensive type of coverage does provide the maximum in protection for your family as well as for yourself in the event of a serious injury. The policies for accident cover are designed to pay out quickly once a claim has been made and processed. This is a great benefit to either an injured individual that may need help with bills, additional expenses and even changes in lifestyle. In the tragic case of accidental death the money is quickly available to your family, allowing them to use it to cover expenses, pay funeral costs or manage the day to day living expenses until the life insurance funds become available. Having accident cover and serious injury insurance is really a gift to both yourself and your family. In times of stress due to these types of events the last thing you want to have to worry about is where and how you are going to get the money to pay your bills. Having a good level of insurance coverage does stop this worry, allowing you to focus on what you need to. Category Finance Author Anonymous Add To Favorites Print This Article Email Article To A Friend Post Comments   Rate This Article (0) 1 - Poor2345 - Good678910 - Excellent Added On Fri May 21st,2010