Personal Accident Insurance Melbourne FL
An agent will take the time to learn your personal needs and identify risks. We want to make sure that your insurance actually protects you. Personal Accident Insurance Melbourne FL is an independent insurance agency dedicated to finding you the comprehensive insurance coverage you need in states throughout the country. Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need a general umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need. We pride ourselves on finding affordable Melbourne FL personal insurance policies that protect your most important assets. We want to ensure that your insurance policies provide protection for your biggest concerns. If you don’t have personal insurance or feel that you aren’t getting the protection you deserve, contact Melbourne Florida Personal Insurance Agency or give us a call at (321) 425-3060. Our goal is to protect our California clients against all of life’s unexpected twists and turns. We know that the safety and well-being of you and your family is important since accidents can involve more than just damage to your car, we’re here to help prepare you for insuring any injuries to you or a family member as a result of an accident.
With Personal Accident Insurance Melbourne FL, you’ll have a policy that helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury also can extend to take care of your passengers’ bills. Don’t let the cost of medical expenses be a burden. Get your family treated and on the road to recovery with Personal Accident Insurance Melbourne FL. Accident insurance provides a lump sum cash payment to you if you suffer injury from an accident covered under the policy. 
You may use the money however you wish. While you’re spending money to cover medical costs, you might have less money coming in if your injury prevents you from being able to work. What’s more, daily life might become more expensive if you can’t perform your usual day-to-day tasks like driving a car, cooking, or mowing the lawn. Even with life and medical insurance in place, an unexpected death, accidental injury or illness can place a great strain on finances. Our Accident & Health Insurance may supplement existing insurance coverage by paying cash benefits for covered losses which may be used to help out out-of-pocket expenses such as groceries, mortgage payments, medical deductibles, or funeral expenses. So when the unexpected occurs, be prepared with accident and health insurance coverage that may help when needed most. Personal Accident Insurance Melbourne FL covers your expenses from an accident with a lump sum payment, a daily or monthly amount, or a payment for loss of life from an accident. Several types of policies supplement an insurance program. Often, accidental death and dismemberment is an inexpensive form of personal accident insurance. Other forms are similar to disability income, but they pay a cash sum when you have an injury due to an accident. There are several ways to buy personal accident insurance. Some policies only pay for specific types of accidents. Accident insurance doesn’t pay for extended periods in the way disability does. It offers lump-sum payments for the loss of a limb. Often accident insurance pays in percentage with the death receiving 100-percent payment, loss of both eyes or combination of one hand and foot or sight in one eye. There are specific percentages for other losses. For instance, you must lose a thumb and index finger on the same hand in order to get 25 percent of the policy face value. Some policies increase the payment if you had a seat belt on at the time of injury.
Accidental death insurance, also known as accidental death and dismemberment or AD&D insurance, is an alternative to term life insurance. As the name suggests, accidental death insurance is designed to protect your beneficiaries if you were to die accidentally — from a car crash, for example, or a workplace injury. Medically underwritten term life insurance policies are often the most affordable type of coverage. These policies take into consideration your age, lifestyle choices, and personal and family health history to determine eligibility and pricing that’s personalized to you. Medically underwritten coverage also offers the most robust range of coverage options, from tens of thousands of dollars to several million.
