Life is a gamble. The National Safety Council reports that you have a 1 in 366 chance of having an auto accident every time that you drive your car. Each year in Texas, 2.3 workers for every 100 will be injured on the job. People are injured on the street, visiting stores, and even at home.

Three in ten workers will become disabled before they retire. One in every three people will be disabled for at least six months during their career.