And for every automobile ad you see or hear, there is likely to be an auto insurance ad nearby. After all, if you have a car, there is a very good chance that you have car insurance. But do you have enough? And do you have the right insurance? Far too often we discover the deficiencies in our insurance coverage after it is too late.
For a family living on a fixed budget, with little or no savings, a major automobile accident can be a significant setback. Even if your auto insurance covers damages to property and your liabilities, there are often collateral expenses that are not covered and can be a significant financial burden.
Fortunately, Aflac, an insurance carrier, has an insurance product which helps policyholders in time of need when their primary auto insurance is not enough. Aflac car insurance, however, is not your typical auto insurance policy, which can create confusion for those trying to understand exactly what insurance options they have with Aflac.
To help you better understand, Aflac is a known as a supplemental insurance company, meaning, Aflac covers what typical insurance coverage exempts. These exemptions might include lost wages. Therefore, the Aflac auto insurance policy supplements disability insurance policies.
As such, an Aflac auto policy may only be purchased as an addition to insurance from a typical carrier. Such a safeguard may be a wise investment for those unforeseen extra liabilities that you may encounter after an accident.
Understanding Aflac Car Insurance
Vehicular accidents are unpredictable and sometimes fatal. The bills that come thereafter can be financially crippling, affecting your family’s economic stability. You may require time off work to recover, during which you still need to pay your bills.
In the long run, if not well prepared, the stress of juggling between paying hospital bills and meeting your family’s everyday needs can make your present and future financial stability. In extreme circumstances, bankruptcy may be the end result.
To help reduce that stress and burden, Aflac provides a lifeline by providing disability insurance policies, including an auto insurance supplement - that is why there is no Aflac auto insurance, per se. The Aflac car insurance policy is like an insurance for your insurance.
It kicks in when the policyholder is incapacitated after an accident and unable to return to work in a timely manner. The Aflac policy provides additional financial resources to keep the bills paid and the bank account balanced when income stops as a result of an accident.
Aflac has become a globally popular supplemental insurance provider and there are several reasons customers are finding Aflac auto insurance worth the investment.
To start with, several Aflac car insurance plans include rider insurance
A rider insurance option comes in handy as it addresses any extra medical costs resulting from the accident and gives the victims a recurring income. The accident victim still receives an income while recuperating. The rider insurance is very expensive not offered by most insurance companies that alone should help you see why Aflac’s plan is so popular.
Since the rider insurance is not affordable to all, Aflac has a supplemental insurance provision which extends to what other auto insurers will not cover. That is, the Aflac car insurance takes care of dental care, daily income expenses, intensive care, short-term lost wages, ambulance services, emergency room costs and extended hospital stays. With all these being included in the insurance plan, why would a policyholder opt out of Aflac?
Aflac Claims - Car Insurance
With a better understanding of the Aflac car insurance policy, one can’t help but wonder how effective Aflac is in terms of paying out a victim’s claim. Some insurance providers manage their policyholder claims through third party companies, which can be a great inconvenience to the policyholder.
Aflac does things a little differently. Once an Aflac car insurance claim is made, Aflac makes payment directly to the customer with no third parties involved. This reduces delays in payment and frustration on the part of the insured party. Additionally, Aflac has a great deal of care for its customers, demonstrating this through offering immediate benefits to a victim’s spouse in case of serious bodily harm.
Aflac’s ability to pay claims quickly and efficiently not only saves the victim and family members a great deal financially but also provides them peace of mind while the afflicted receive necessary medical attention.
Disability Insurance
Notwithstanding the unique Aflac car insurance, this insurer differentiates itself from other insurers particularly in its mode of operation. Instead of your typical insurance coverage, Aflac treats companies, non-profit organizations and individual clients to the disability insurance coverage. Their product ensures that the policyholder does not endure financial struggles after being injured while on the job or if they fall ill which leads to an inability to work.
Aflac’s medical and disability plans protect companies as well. Aflac offers plans that can be purchased in terms of group coverage. The group policy covers all employees in circumstances of illness or injury. The coverage comes into effect if they are incapacitated while on the job. All an employer has to do is to file a claim and will be ensured that their employee will be handed a financial lifeline.
The Aflac disability insurance plan is everything you will need, not only for your vehicle. Whether you are an individual or a group, this coverage will be your solution in times of accidents.
Healthcare
One might assume that since Aflac’s services are aimed at helping people meet their medical needs, there must also be an Aflac health insurance plan. Sadly, there is none. Aflac has, however, designed the disability insurance to work together with a policyholder’s health insurance coverage. Thus, there is no Aflac healthcare coverage.
A policyholder may only be eligible for Aflac’s insurance with an existing health insurance plan. In fact, many insurance providers will present their own policyholders with Aflac’s policy option as a way to supplement the purchased health insurance plan. The wide range of medical costs covered by Aflac is definitely worth supplementing the standard health plan.
About Aflac
There is no argument that the Aflac duck is the best corporate mascot ever. But the duck alone is not the star of the show. Founded in 1955, Aflac has gained worldwide popularity as a result of consistently meeting their customer’s needs and keeping their promises. Aflac has millions of satisfied customers with policies that include vision, dental, accident, cancer, life, short-term disability, hospital indemnity and hospital intensive care covers.
Aflac’s claim-handling procedures set them apart from their competitors. Policyholders can file their claims on their website or over the phone. Claims are typically paid within a few days and, in some instances, on the same day, reducing stress and financial burdens for their customers.
Aflac’s world-class customer service has made it a trusted name in the insurance industry. This is, after all, what defines a good insurance company and customer relationship. Although Aflac is not the only option for supplemental insurance, it has built itself a name through exemplary service.
Through the decades Aflac has extended its services across the United States, Canada, Japan, and other nations, proving that supplemental insurance can ease people’s financial struggles in times of accidents and illnesses.
Aflac’s excellent customer service and unique delivery of insurance plans makes it a top option for your supplemental insurance needs. Do yourself a favor by insuring yourself against unexpected accidents and financial stress with Aflac automobile insurance or disability insurance.
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