You know, now that the couch has attacked me (see two previous posts), I can see clearly that I should have been prepared for this. With a little forethought I would have had an accident coverage policy. I mean, I’m pretty sure that suing a piece of furniture isn’t going to get me much in the way of compensation — especially since the furniture belongs to us.

Luckily, I do have funeral coverage through my 401k. It is a minuscule amount and won’t make my heir’s rich, which is just fine with me. If there’s any celebrating when I die, I want it to be for the glory of God, not mammon.

When I was working for the Vegas school district, I also carried insurance on my paycheck. Guardian Income Insurance can provide the family wage earner with a feeling of security during uncertain times. When I was in my car accident in 2003, my policy kicked in and covered 6 weeks of my wages. My bills got paid and all I had to concentrate on was my physical therapy and the piles of endless paperwork for the other driver’s insurance company.

So, even though you’ll probably never be assaulted by a couch, this world isn’t always a safe place.  Insurance can help take care of your and your loved ones in the event of an accident.  If you aren’t already covered, give it some thought.