§ 88.168. Accident only coverage.
(a) ‘‘Accident Only Coverage’’ is a policy of accident insurance which provides coverage, singly or in combination, for death, dismemberment, disability, or hospital and medical care caused by accident.
(b) ‘‘Accident Only’’ policies shall provide continuous 24-hour coverage. The amount of benefits payable shall not vary with respect to when, where, or how the accident occurs except with respect to benefits for the general classifications of ‘‘Common Carrier’’ and ‘‘Private Passenger Automobile.’’
(c) Accidental death and dismemberment benefits shall be payable irrespective of total disability. Disability income benefits, if provided, shall not require the loss to commence less than 30 days after the date of the accident, nor may any policy which the insurer may cancel or refuse to renew require that it be in force at the time disability commences if the accident occurred while the policy was in force.
(d) The amount of the accidental death benefit shall not be less than $1,000.
(e) The amount of the dismemberment benefit shall not be less than:
(1) $500 in the case of a single dismemberment; and
(2) $1,000 in the case of a double dismemberment.
Cross References This section cited in 31 Pa. Code § 88.169 (relating to specified disease and specified accident coverage); 31 Pa. Code § 88.171 (relating to supplemental insurance coverage); and 31 Pa. Code § 88.192 (relating to accident only coverage form).
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