Unfortunately, in my line of work I see tragedies day in and day out. Health and life insurance policies, in addition to everyday insurance for your home or vehicle are critical in the event of a catastrophe. In addition to the physical or emotional toll a major life event takes, the financial burden can be crippling.
Health Insurance In Emergencies
One of the most important considerations in the event of a tragedy or accident is health insurance. Regardless of fault, and certainly before fault can be established in a court of law, your health insurance play a critical role. While it is true you cannot be denied medical treatment or be turned away at the door, having adequate insurance coverage can absolutely lessen the stress and financial burden in an emergency.
In the most tragic of events, such as birth complications for mom or baby, medical mistakes or missed diagnosis, medical care can become extremely expensive and extend over a long period of time.
Life Insurance and Disability Insurance
Life insurance and disability insurance is also ideal for adults, particularly those with a family or who have expenses that cannot be sustained by a surviving spouse or parent. While you may be eligible for compensation based on the details of your case, in the event a tragedy occurs that is not the fault of another person, life insurance or disability insurance can help pick up the pieces.
Life insurance; term or whole life policies, are available for individuals of all ages. Many policies may include a disability clause or a clause for terminal illness, but it may be necessary to seek additional disability insurance.
General Home and Auto Insurance
Adequate home insurance, auto insurance and umbrella coverage is essential in today’s day and age. If you are in an accident and the party at fault does not have adequate insurance (or insurance coverage at all) having proper coverage is essential. Umbrella coverage beyond traditional policies is also highly recommended. Traditional policy limits are almost laughable with today’s rising healthcare rates, and umbrella policies can provide financial peace of mind in the event of a tragedy or accident.
Time and again, I see individuals and families that only wish to rewind the clock. In the face of tragedy, there are so many aspects outside of human control. Taking control of your insurance policies and taking control of your future is critical!
If you or a loved one has been seriously injured, call me today for a free consultation. As your Ohio personal injury attorney, I’ll be there for you, and I will Make Them Pay!®
Author: Tim Misny | For over four decades, personal injury lawyer Tim Misny has represented the injured victim in in birth injury, medical malpractice, and catastrophic injury/wrongful death cases, serving “Cleveland, Akron/Canton, Columbus, Dayton and neighboring communities.” You can reach Tim by email at misnylaw.com/ask-tim-a-question/ or call at 877.944.4373.