If you were traveling and have gotten injuries from a plane accident and are looking for compensation, contact us now to get a free case review where our injury attorney will discuss with you your legal options.
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Many people tend to avoid buying travel insurance since the chances of a plane crash are 1 in 5 million. Although they may be right, there is no time and place for a plane crash and in 2018, the US saw around 1,000 plus aviation accidents resulting in almost 400 dead passengers.
To avoid any losses and damages from an airplane accident, insurance is the best companion, but then again, there is a lot of hassle associated with approaching insurance companies for any claims. There are many different kinds of travel-related insurances with different types of coverages.
Let’s look at what travel insurance is and is it any different from flight insurance?
Flight accident insurance is the kind of “travel insurance” people buy in the hopes that they get their tickets reimbursed if they were to cancel their plans, however, that is not the case. Flight accident insurance, just like any other insurance, can only protect you from losses or damages due to an accident or incident out of your control on the aircraft.
Oftentimes travelers believe that commercial airlines will compensate them for any losses due to a plane crash and in many cases, they are not wrong. However, getting compensation from an airline company can take a long time as there are a series of investigations with the efforts of the federal government. In circumstances of accidental death from a flight accident, airlines will compensate the grieving families, but the amount of compensation and the duration it might take remains clouded.
Flight accident insurance is a great way to get immediate compensation for losses due to a flight accident. While buying flight accident insurance, you can even name your beneficiaries that will receive money in case something happens to you during a flight providing monetary protection for those left behind.
Before we get into the coverages, trip insurance, travel insurance, or travel medical insurance does not cover plane crashes but different insurances do. There are also different types of insurances plans that have additional coverages, hence it is best to do complete research before purchasing one.
So what does flight accident insurance cover? Generally, these types of regulated insurances provide a lump sum benefit if a loss occurs just like life insurance.
Unlike travel medical insurance that covers your medical expenses from personal injuries under their travel insurance coverage, flight accident insurance does not work like that. Claiming medical expenses is a type of cover that is part of the trip insurance or travel insurance and buyers of such insurance can even get reimbursement for trip cancellation due to conditions not in their control.
Flight insurance, on the other hand, protects individuals or policyholders against any losses during the flight, riding to or from their destination. Any injury that occurs during a flight resulting in accidental death, permanent impairments, or even loss of vision, comes under flight accident coverage.
There are several requirements for this flight accident coverage and includes the following:
Upon death, the beneficiary receives almost 100% of the policy limit while dismemberment benefits vary according to the multiple losses in the plane crash or accident. Policy certificates for different insurance companies is the best way to find out what kind of coverage you will be receiving if you were to buy that flight accident insurance.
Flight insurance does not cover any emergency travel assistance, medical evacuation, medical emergencies, or the retrieval of the body, it does not even pay for the funeral costs as these types of coverages are available with other types of insurances.
Since travel insurance does not cover a plane crash, what does it typically cover? Here are a few things that a travel insurance policy or a travel protection plan covers:
Depending on the type of travel insurance, you may get rental car coverage and many different types of coverage, however, there are limitations or restrictions. For example, if you buy travel insurance to secure your health or medical conditions during your vacation, you should know that many travel insurance policies do not cover pre-existing conditions. There are a lot of exclusions and the buyer must do the relevant research on the insurance service they are leaning towards.
In general, flight insurance does not cover the types of coverages available with travel insurance, however, there are insurance companies that do offer additional coverage which may include:
Flying can be frightening, but traveling can be daunting as well, especially if you’re alone. If you feel like you need protection and coverage during your trip and there are other insurances besides flight insurance that provides you more coverage, then going for that would be a wiser option.
Policyholders can only follow up on claims or file lawsuits against commercial airlines or even small airlines owned by a third-party contractor. If you have had injuries in an aircraft accident, you can most likely get compensation for it.
Ehline Law, a personal injury law firm, has legal experts who will help you:
Contact us if you have got injuries from a flight accident or are a beneficiary of the policyholder who was a victim of accidental death.
Our lawyers will not only provide you with the relevant legal services but also ensure a claim from the airline and insurance company. Speak to us at (213) 596-9642 to get a free consultation.