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Your accident insurance not-to-do list

At Trustmark, we take great pride in protecting our policyholders from all sorts of bumps, bruises, scrapes, sprains and breaks. We understand that, sometimes, trouble finds you and you need to be protected from the out-of-pocket costs that come with an accident. However, if you go looking for trouble, that’s where you can run into, well… trouble. The fine print that comes with every insurance policy comes with “exclusions” or activities that, if they result in an injury, wouldn’t be covered by accident insurance.

Your Not-to-do list

To help make sure you always have the protection you need from your accident policy, below is a quick list of some of the activities that you should try to avoid:
  • Playing Rambo – If you engage in armed conflict, sadly that’s a little too risky for us to cover you in the event of an accident. We can, and will, happily protect our service men and women in their day-to-day lives, but civilians being in armed conflict is just a bit too dangerous.
  • The need for speed – Ever dreamed of driving a racecar? We’d say it’s your choice as to whether you go for it, but, unfortunately, if you get injured driving a motor vehicle in a race, stunt show or speed test likely isn’t covered under your accident policy.
  • Free fallin’ – Skydiving can be a rush and a great experience, but it can also a good way to get yourself hurt. An injury from skydiving wouldn’t be covered under most accident policies.
  • Extreme sports - In the same vein as skydiving, there are a number of other high-risk activities that, if they cause you injury, will prevent you from receiving a benefit. These include hang-gliding, bungee jumping, parachuting, parakiting, parasailing and sail gliding.
  • Crime doesn’t pay – The old adage is true! If you get injured while performing an illegal activity, you won’t be compensated from your accident insurance policy. Bank robbers need not apply for coverage.
  • Going pro – If you are a semi-professional or professional athlete, competing in an athletic competition during which you receive compensation would preclude you from a benefit if you get injured.
This may not be a comprehensive list and it may not cover every carrier’s list of exclusions, but it should serve as a helpful starting point. At Trustmark, we care about our customers and we want to provide policyholders with the coverage they need. We look forward to providing that protection and ask that our valued policyholders try to stay safe!

Posted on April 26, 2018 in Accident Insurance Health & Wellbeing

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