It's AD&D insurance. It's basic and solid, not a scam. They pay, per schedule, for accidents you have whether you're injured at work or at play.

They helped our family out a lot after the house fire. They ended up paying us over $30k due to injuries. They also paid a decent chunk when I broke my leg a few years ago, and again last summer when I broke two toes.

Making the claim is easy enough, fill out a form after calling them, and send it in.

Like I said...they pay per a schedule that they give you when you purchase the coverage, so you know what is and what isn't covered, as well as how much they will pay you and for how long.

I still carry coverage, as does my wife.

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1987 560SL
85,000 miles