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Occupational Accident Insurance

That Professional Drivers Need

Get OCC ACC Coverage by Tomorrow.

At OCC ACC Direct we understand the coverage that drivers need. We offer Occupational Accident insurance coverage (‘OCC ACC’) that provides financial benefits for work related injuries, dismemberment, paralysis, accident disability, accidental death and accident-related medical expenses.

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FAQs

How Occupational Accident Insurance Protects Drivers

Professional truck drivers are at a higher risk of occupational injury than most other professions, and without occupational accident insurance, they could be burdened with the financial consequences of an accident on the job. Occupational accident insurance can help to protect truckers from these financial consequences by paying them for medical expenses and lost wages in case they’re unable to work because of their injuries.

Why Professional Drivers Need Occupational Accident Insurance (OCC ACC)

Truckers are one of the most common professions in the United States. They are an integral part of our economy and society. However, being a trucker can be dangerous, and it is not uncommon for truckers to be injured on the job.

Truck drivers are required by law to have occupational accident insurance because they face a higher risk of injury than other professions. Trucking accidents can range from minor injuries such as cuts or bruises, to major injuries such as broken bones or head trauma.

Occupational accident insurance protects truckers from the financial burden that accidents can cause. OCC ACC coverage provides peace-of-mind and financial protection should drivers become injured on the job.

What are the Benefits of Occupational Accident Insurance?

Occupational accident insurance is a type of insurance that covers any injury or illness that occurs during work. It is important to buy occupational accident insurance because it can help you recover from the financial costs of an accident.

The benefits of occupational accident insurance are:

  • The insurer pays for medical expenses
  • The insurer pays for lost wages
  • The insurer pays for funeral costs if the insured dies due to an occupational accident

How does to Occupational Accident Insurance work

Occupational accident insurance or OCC ACC insurance is a type of insurance that covers the cost of injuries sustained by drivers from accidents that occur during work.

It is most commonly needed by truck drivers who are on the road for long periods of time and are at risk for accidents and injuries.

This type of insurance is typically taken out by fleet owners, but in some cases the independant owner-operator will take out their own policy as well. This can be done through a private insurer or an insurance broker.

The facts about occupational accident insurance

The Occupational Accident Insurance Act was enacted in the year 1948 to provide protection against accidents that happen during work. This law was amended by the Factories Act of 1948, which also provided for compensation for employees who had been injured in accidents at work.

In the year 1972, the Employees’ State Insurance Act came into being which provided for a comprehensive scheme of social security to all employees engaged in any occupation or employment. The Act provides benefits to an employee who sustains injury or death from an accident arising out of and in course of his employment.

These benefits include payment of medical expenses incurred on account of such injury or death and compensation for loss sustained by him due to the injury or death. In the event of death, the benefit will be paid to his dependents and the expenses incurred on account of such death, if any, will also be reimbursed.

Coverage includes medical care under all conditions including injury or death due to anything other than one of these risks:

  • Any war or act of war, whether declared or undeclared.
  • Any act of lawless violence (including terrorism, drug-related criminal activity, or gang-related activity),
  • Any medical condition that results from an act of war, lawless violence, or criminal activity.
  • Medical care for a preexisting injury or disease

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We negotiate the best possible settlement deal for you.

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