Accidents and Insurance

Types of Insurance  The insurance related to accidents and the resulting injuries would be casualty insurance, such as life and health insurance, and liability insurance.  If you have been injured, your casualty insurance company, if any, should be obligated to reimburse and compensate you for your covered losses.  And if your injury was caused by someone else, usually that other person's liability insurance company should compensate you for any harm not covered by your own casualty insurance company.  However, you may have to sue and have a court determine whether the other person was actually at fault for your injury.  Automobile insurance often works this way if there is a question of fault in an accident.  The law in this area is controlled largely by your state.

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Fire Related Injuries

In 2002, fire departments responded to 401,000 home fires in the United States, which claimed the lives of an estimated 2,670 people (not including firefighters) and injured another 14,050 (Karter 2003)

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