Although many do so, no one would think that driving a car without insurance is a very good idea. If an accident happens or a car is stolen or otherwise damaged then the bills will quickly mount up. Being covered by a good insurance policy is a much more attractive proposition than taking that risky route. The same applies to health insurance.

Taking risks is an acknowledged part of everyday life, but when it comes to health the risk of being uninsured is not worth taking. Good health cannot simply be taken for granted even though for much of his or her life a person may enjoy it. However, there will always come a time when the health care system has to be used and the financial costs can be very high.

Taking out health insurance will provide a way of getting medical care when needed without worry about payment. Accidents happen, family members may become sick or require other medical attention, so it’s important that there is peace of mind if something does occur. Health insurance can give that peace of mind, taking away the worry of a serious financial burden.

Even routine health care costs can add up very quickly, and for a family that can mean an enormous financial outlay if no health insurance is in place for protection. The costs for a serious injury or a major illness could break the bank, leaving loved ones even more distressed.

Those without health insurance may find that they do not get the medical treatment and care they need. They will worry about the cost, perhaps leave a medical condition longer than they should and then may not be able to access the best resources to resolve the problem. One of the major benefits of being covered by health insurance is the access it gives to a wide network of hospitals and medical professionals, and other resources are available to help people stay as healthy as possible.

Being unwell or suffering because of an accident is stressful enough without the concern of whether or not medical care is affordable, making health insurance the sensible way forward for future protection.

What to do after an accident

There are some simple rules to follow after being involved in an accident. Stay at the scene and, if necessary, call the police and an ambulance. Exchange details with the other person, including names and addresses of all occupants of a car. Email addresses and phone numbers should be included.

Take photographs of the damage if possible, both of cars or damaged property, ensure the location of the accident is noted clearly, and get full details of other insurance companies. If the police or other emergency services are involved, make a note of the department, phone numbers, names and badge numbers.

However the accident happened, liability should not be admitted nor should details of insurance cover limits be divulged.  Where appropriate the insurance company will make contact with a legal team, finding for example personal injury representation in Massachusetts. Litigation professionals will then be able to take care of whatever claims might be needed.