Saturday, August 17, 2013

A Personal Accident Insurance

More often than not we consider our home safe where no accident can happen. Or if we are good at driving, we assume we will not be met with an accident. While you may not be directly involved but accidents do happen on the roads, due to many reasons. Also, if safety measures are not taken at home, then accidents and severe injuries can happen at home as well.

Eventually many people not only suffer many grave injuries but may also die during one of the unfortunate mishaps at home or outside.

According to many recent surveys, road accidents are responsible of innumerable deaths annually in our country. While road accidents are very common and kill thousands of people annually. It has been estimated that more than 1.3 crore people in the world die due to road accidents and approximately 50 crore are injured. A point to remember here that our homes are not safe either and it all comes down to human actions and precautions.

Whether we are at fault or not, drive correctly or not, walk correctly or not, life is full of uncertainty and mishaps can knock at anyone's doors.

Indian cities and their complex road network are fraught with insufficient road safety measures. Although there are traffic rules in place, more often than not, people don't follow them. One thing leads to another and a collision occurs. Sometimes, pedestrians are also at fault when they don't wait for the red sign to cross the road or don't look properly to the right and left before crossing the road. Or simply, people driving while talking on mobiles, people crossing the road while talking on their mobiles are all very risky.

An absolutely stunning revelation is that in every 6 minutes, there is a death due to a road accident in our county. The World Health Organization (WHO) states that India loses about 20 billion dollars due to road accidents every year which is more than enough to feed about 40 % of India's malnourished population.

At Home
Make sure you use kitchen appliances very carefully. If there are kids at home, make sure to cover all electrical loops and always lit the staircase so that nobody skips even a step. Try not to rush on the stairs and walk slowly. Cover your washroom properly to avoid slippage after shower. Falling can result in breaking bones, spinal injuries, head injuries, etc.

Similar injuries happen in road accident as well. If the person is not wearing proper headgear then injuries can be very fatal as well.

Many reasons have been attributed to road accident but all pin point to only one - human negligence and error. Rash driving and lack of obedience to the traffic rules among the citizens top the reasons behind road accidents. According to recent statistics it has been revealed that a number of accidents are caused due to over speeding, rash driving and also drunken driving. As discussed above, pedestrians are also at fault sometimes when they don't cross the road according to the traffic rules which may lead to collision with a fast moving vehicle.

An accident is not only an unfortunate event which can change your life but it can also deplete your life's savings due to the rise in the medical costs, hospital expenses, treatment charges and post op care. With a personal accident policy, you are well protected. A personal accident insurance lets you worry less and covers for permanent partial disability, permanent total disability, accidental death, etc. It's a smart move to make as it gives you tax benefits as well. So it always makes sense to secure and protect you and your loved ones future and stay hassle free.

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