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Personal accident insurance will pay if you are injured from incidents such as stepping in a hole and breaking your ankle, falling down a flight of steps or breaking an arm while playing basketball.
You can purchase personal accident insurance that provides cash benefits for covered occurrences that you can use as you see fit. Disability insurance can provide missing income if you are unable to work because of your accident. You can even purchase accidental death insurance to provide benefits to loved ones in the event you are killed in a covered accident.
Personal accident insurance is often purchased to supplement existing insurance coverage. For example, if you're injured in a car accident, personal accident insurance may be able to provide cash benefits in addition to the injury benefits provided by your auto insurance policy.
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