More Sun, More Fun, More Accidents?

August 25, 2016

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Don’t let an accidental injury break up your good time.

With the summer months upon us and children out of school, now is the time for outdoor fun, including swimming, traveling, barbequing and more. However, summer months can also bring an increase in auto accidents, burns, water safety issues and other unexpected problems. Take a few simple safety steps to avoid an accident ruining your summer fun!

  • Biking and skateboarding

    • The bad news: Every year, thousands of children are seen in emergency rooms for traumatic brain injuries as a result of bicycle and skateboarding injuries.
    • The good news: Working smoke detectors cut the chance of dying in a home fire in half, and newer appliances often come with oxygen depletion sensors that automatically shut down the appliance to avoid carbon monoxide poisoning.
  • Barbequing and cooking

    • The bad news: Young boys are the most at risk for drownings with 48% of victims under age four and 76% male. The primary cause of death in fatal boating accidents is drowning, with 84% of victims not wearing a life jacket.
    • .The good news: Working smoke detectors cut the chance of dying in a home fire in half, and newer appliances often come with oxygen depletion sensors that automatically shut down the appliance to avoid carbon monoxide poisoning.
  • Swimming and boating

    • The bad news: Young boys are the most at risk for drownings with 48% of victims under age four and 76% male. The primary cause of death in fatal boating accidents is drowning, with 84% of victims not wearing a life jacket.
    • The good news: At least half of all drowning deaths during recreational boating could be avoided with personal floatation devices. The use of multiple layers of protection at home greatly reduces water related injuries, e.g., gate alarms, floatation devices and direct supervision.

Additionally, costs for hospitalization and treatment of accidental injuries can be astronomical.

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Although most health insurance plans cover these types of injuries, the deductibles, copays and out-of-pocket costs add up quickly and can be more than the average family can manage. However, accident plans are specifically designed to mitigate the costs associated with accidental injuries and to provide an additional layer of financial protection, over and above health insurance.

Plan ahead for summer’s unexpected moments by following proper safety guidelines and by insuring your family against accidental injuries.

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