“Why do I need accident insurance?”
You may have asked yourself this a couple of times. You reason that you live in a fairly safe neighborhood, your region is generally safe, and you don’t work in a dangerous job. So why should you get accident insurance?
By the end of this article, you might change your answer from “definitely not” to “yes, please.”
During Your Daily Commute
Travel-related accidents and injuries are common enough that you need to get compulsory third party (CTPL) insurance when you register a new vehicle. Traffic conditions in highly urbanized areas can also increase the likelihood of accidents.
Additionally, the rise of motorcycle ride-hailing services increases your risk of injury compared to riding in a car, van, or bus.
A helmet, assuming you wear one, only protects your head and may not fully protect your neck. You might not even be wearing protective clothing when riding on a motorcycle.
Accidents Can Happen at Home
Your home can also be a source of injuries. Stairs, especially those that do not meet safety standards, are a common source of accidents. Other potential trouble spots and activities include:
- Cooking (cuts, burns, and even setting your house on fire)
- Loose objects and appliances that can fall on you
- Faulty wiring (electrical and burn injuries)
- Animal bites and claw injuries
- During play or other physically demanding activities
Workplace Accidents Happen Too
Most workplaces in the Philippines require adherence to occupational safety standards mandated by various laws. Aside from policies, employers are required to regularly train their staff on these safety standards and how to follow them.
Still, the workplace can be a source of many injuries. Improperly stowed boxes and equipment can trip or hurt people who bump into them. A hallway freshly mopped by the janitors or a newly cleaned CR can become the site of a slip-and-fall accident. One mistake at the hot water dispenser could lead to serious burns. And if there’s one thing buildings have, it’s lots and lots of stairs.
The Risks of an Active Lifestyle
Exercise and other sports activities are meant to make you better, whether for improved health or for physical and mental performance. No one chooses to have an active life to get hurt.
But injuries are a common risk in sports and other physically demanding activities. It’s why you’re told to warm up and cool down, and gyms have so many rules when it comes to weight-lifting equipment.
Accidents can come from everywhere. A misplaced step or a surface that suddenly gives way can lead to bone and muscle injuries. Pushing too hard and too fast can lead to various physical injuries. A miscalculation during a lift could land you in an ambulance on the way to the ER.
Pets and Community Strays
Most Filipino homes have pets, and many neighborhoods have strays. In several business districts like Makati and BGC, communities of strays are common, are cared for by residents, and regularly interact with people.
While we love our furbabies, the reality is that even the most loyal and loving pet can be a source of injury. Accidental bites and scratches, especially from cats, are common, but whether during play, panic, or during the “zoomies,” a pet can inadvertently do something that injures you, often to the tune of cuts, bruises, and even third-degree burns from spilling your hot coffee onto you. They can also knock over household items and appliances.
Why Accident Insurance Is Worth Having
Typical health insurance plans can provide a measure of protection for injuries due to accidents because they can come with coverage for various health-related issues. But a dedicated accident insurance plan provides medical and financial assistance for accident-related injuries. There is also prepaid accident insurance for those on a budget.
Reliable Insurance Brokers is ready to help you choose accident coverage that fits your budget and needs. Just give us a call, and we will guide you through the selection process.
Contact Information for Inquiries and Support
If you have any questions or need assistance with your insurance, feel free to reach out to us:
- Call: +63 2 8631 9285 to 86
- Mobile: +63 917 138 5120
- Email: info@reliable-insurance.ph
- Messenger: m.me/reliable.insurancebrokersph
Sources:
- BuzzRx (2026, May 14), Is Accident Insurance Worth It? https://www.buzzrx.com/blog/what-is-accident-insurance
- Kemper (2025, July 2), 5 Reasons Why You Should Buy Accident Insurance. https://cloud.kemper.com/en/resources/insurance-insights/5-reasons-why-you-should-buy-accident-insurance
- USAA (2025, January 13), What is accident insurance and why do you need it? https://www.usaa.com/advice/what-is-accident-insurance/?akredirect=true