Accidental injury or death can occur at any moment. Accidents are not planned for, it just occurs. Possible accidents are avoided every day, such as slipping in the shower or tripping on a sidewalk. Such a death is unexpected and can be devastating. Everyday routines are ignored and are assumed to be safe, but the chance of having an incident can happen on any day. Many insurance policies don’t cover accidental death, and others offer it as an add-on.

What is an accidental death, and should it be covered by insurances? An accident is not meant to happen, or an incident with an undesired outcome. No one plans to fall off of a ladder while changing a light bulb. However, besides the bulb remaining burnt, the outcome of such an incident can be very serious. The fallen person can become seriously injured or face death. Dying was not on our to-do list, but it can happen at any time. Such an incident can lead to a chain of events, one important effect being one less paycheck in a family. “Many insurance policies do not cover accidental insurance,” said Evan from Primerica. However, accidental insurance, not to be confused with car accident insurance which is required to drive, is sometimes offered as an add-on to insurance policies. Likewise, people don’t know if accident insurance is worth the payment.

There are certain accidental deaths that are more common than others. The top 15 most common accidental deaths actually do include deaths resulting from falls. Also included are deaths from incidents, such as electrocution, fires, and car incidents. Many insurance policies cover car incidents and fires, especially for property damage. Falling and being electrocuted are not, although they are both in the top 15 most common.

Accidental deaths should be covered by insurance policies. Mutual of Omaha includes the opportunity for accidental death insurance. Mutual of Omaha claims that the likelihood of a fatal incident occurs every four minutes, the information taken from Injury Facts, 2010 Edition. The insurance covers everything from the obvious insurance accidents, such as car incidents, but also includes any other transportation incidents. However, this insurance also covers “all other accidental death at home, at work and at play.” This includes falls, drowning, poisoning, and electrocution, which are all part of the top 15 most common.

Accidental death is not meant to happen, its an unexpected incident. There are many everyday actions that can lean to being injured or facing death, many may even be part of our daily routines. However, some insurance policies may include them, while many do not. With a possible incident every four minutes, a little extra out of our pockets seems worth it to be able to protect our families in the future.

Works Cited

Representatives from Primerica

“The 15 Most Common Accidental Deaths.” . Likes. Web. 8 Mar 2014. <http://likes.com/weird/the-15-most-common-accidental-deaths&gt;.

“Accidental Death Insurance.” . Mutual of Omaha. Web. 9 Mar 2014. <http://www.mutualofomaha.com/life-insurance/learn/accidental-death/&gt;.