Accidental Death & Dismemberment (AD&D)

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Real-Life Claim Scenario: Scott The West Linn Master Gardeners Club sponsor a Bloomfest event every June. This year, 85 year old Master Gardener, Martha Greely, slipped and fell, breaking her hip. It seemed that one of her chief competitors, William O'Riley, was a sloppy housekeeper and failed to wipe up the mess from his leaky watering can. Martha asked the Master Gardeners Club to cover her out of pocket medical expenses of $7,644.

Fortunately, the Master Gardener Club President was also a master of risk management. He knew that many of the event participants were older and the chance of injury was high. So, when he purchased Event Liability Insurance, he made sure to also purchase the available AD&D/Accident Medical Expense Insurance. It was a smart move. The AD&D/Accident Medical Expense policy paid Martha's expenses on the club's behalf, without consideration of who was at fault. The club's Board of Directors was pleased with the outcome because they avoided an expensive lawsuit. They also demonstrated goodwill to Martha, who proficiently spread the word about the club's good deed.

Estimated cost with AD&D Insurance: $128
Estimated cost with NO AD&D Insurance: $7,644

AD&D/AME pays the cost of an injured person’s medical expenses up to the limit, without consideration of who is at fault. It can help avoid lawsuits, by giving the Insured Policyholder an easy way to appease potentially litigious injured persons. AD&D/AME Insurance offers limits up to $50,000. In addition to the accident medical expense benefit, it includes a provision for accidental death and dismemberment. AD&D/AME Insurance is available in addition to Event Liability Insurance, Weather Insurance and Event Cancellation Coverage.

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