- Accidents in life might occur anyplace and at anytime. It seeks no specific time to arrive. Uncertainties are supposed to stay in our lives until we live. Moreover, surveys state that people all over the world at the moment are more likely to be saved and endure Accident Insurance moderately than meet death. Medical advancement could also be one motive for it. But it is equally necessary to have an accident insurance coverage, which covers you if you meet with an accident.