Accidental Death Insurance

Accidental death insurance is a special type of insurance policy that provides payments when a person dies as the result of an accident. It is usually combined with a dismemberment policy and will provide benefits when a person loses certain parts of his body or the ability to use those body parts because of an accident.
Accidental death refers to any death that results because of an accident rather than because of illnesses or natural causes. Accidental death can be the result of an accident, a fall, boating accident, drowning and any other instance that is unrelated to health issues and is not caused by suicide. Motor vehicle accidents are the most common form of accidental deaths and according to GECD Health Data, the United States had the highest number of deaths in 1999 due to motor vehicle accidents at 15.5 people per 100,000 people.
One of the most important things to consider about accidental death and dismemberment insurance are the provisions of coverage. While it does provide the beneficiary with a payment in the event of accidental death, many don't realize there is another provision to this insurance as well. Dismemberment covers the insured for any accident in which there is a loss of bodily function such as sight, hearing, limbs or any other loss that results because of an accident.