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Anyone who’s been married, been in a wedding or even just been to a wedding knows these events can rack up some hefty expenses: The gown. The reception. The honeymoon. The emergency room.

OK, that last item probably doesn’t appear on most wedding planners’ checklists, but Sean Williams knows better. A video producer here at Colonial Life, Sean had barely left town for his wedding trip recently when he and his new bride got a call saying Sean’s step-son had broken his ankle playing football.

The bills for that emergency room visit, doctor’s care and follow-up treatment could have been almost as painful as the accident itself, except for one thing: an accident insurance plan Sean bought years ago through his workplace. Fortunately, it was a family plan he’d chosen to help protect his two active children from a first marriage. Thanks to a couple of “I dos,” the plan also covered his new step-son.

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