The Washington times., 1932-11-03
NEED Of M|SHAP
INSURANCE IS
MPHASIzED
BY FRANK F. LOOMS

Accident insurance has never
been accepted by the insuring pub
lie with the same popularity as
has life insurance, and yet nearly
100000 persons are killed by acci-
dents every year in the United
States. One death in every II re-
suits from an accident.
A great many people become
accident insurance minded when
they are contemplating a trip
somewhere, and while more than
1000 persons are killed in railroad
accidents each year, far more ac-
cldents occur right in the home.
These same people give little
thought to this fact are prob
ably unaware of the numerous
commonplace accidents such as
falling downstairs, slipping on
rugs, etc.
Nearly Third Die in Home
A brief analysis of the $1,000
accidental deaths last year shows
that OF this total, $500 motorists
and pedestrians were killed by au-
tomobiles, 1900 in industry, 5000
drowned and there were $4,000
fatal accidents in homes.
With these dangers prevalent
IN the country today, the neces-
sity for accident insurance should
be stressed. The American peo-
pie must become accident insur-
ance-conSciouS. Accidents strike
without warning, wages stop and
all the usual expenses continue
and in addition the expenses re-
Sulting from the accident.
A mans earning power is the
greatest asset he possesses and a
disabling accident may cut that
off for some little time. The
logical way to replace that earn
ing power is through accident in
Surance which protects the in
sured against loss of time and
earnings, against dismemberment
and death as a result of an acci-
dent.
Accident Cost Covered
Accidents are expensive. Even
simple accidents are costly. Last
December, a man slipped from a
ladder while trimming a Christ
mas tree and sustained a frac-
ture Of the left thigh. His hos
pital expenses for II days
amounted to $357; day and night
nurse fees were 1898, and doctor
bills 500, a total of $685. for fall
ing off ladder at home.
Fortunately this man had an
accident policy which paid these
expenses, and in addition a week
ly indemnity that totaled over
$500. Actually his accident cost
him but few cents a day, the
amount of the premium on his
policy.
There are numerous kinds Of
accident policies on the market
today, some of which cover acci-
dents from specific causes only
such as travel accident policies,
automobile policies, sports and
recreation policies. etc. These
contracts provide most valuable
protection for individual needs at
a small cost, but for the man
or woman who is absolutely de-
pendent upon his or her earn
ings for livelihood, a full cover
age accident insurance policy is
advised.
Policies inexpensive
No one can guess in what man.
ner or where he might encounter
an accident. A full coverage acci-
dent insurance policy protects the
insured against loss from any
kind of an accident. no matter
when or how it may occur.
It provides liberal monthly in
IDENTITIES in the event of dis
ability, and lump sum payments
for death or loss of limbs, sight,
etc. Provisions are made for hos
pital, nurse and doctors expenses
as we'll.
Such a policy. paying $25
weekly indemnity for disability,
can be purchased for about $50
a year. varying somewhat in the
different companies according to
the additional provisions allowed.
Policies may be bought on an an