Accident Insurance
Plan Ahead for the Unexpected
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Focus on healing, not just costs.
Focus on Recovery, Not Expenses
Accidents can leave you with more than physical injuries. They can impact your ability to work, cover household expenses, or keep up with child care. With accident insurance, you receive cash benefits that can be applied wherever they’re needed most.
Lump-Sum Payouts
Payments are made quickly after a covered accident, giving you access to funds right when you need them.
No Restrictions on Spending
Use benefits for medical bills, rehab, rent, groceries, or any other expense that keeps you on track during recovery.
Quick Claims Process
Most plans have a simple application and fast approval so funds are available when you need them.
Optional Riders
Some plans let you add coverage for recurrence or additional conditions – we’ll explain what makes sense for you.
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Why Accident Insurance Matters
Accidents are the leading cause of emergency room visits in the U.S., and they don’t discriminate by age or lifestyle. Whether it’s a broken bone, a car accident, or a sports injury, the costs can add up quickly. This coverage is especially important if you:
- Have a high-deductible health plan and want help covering upfront costs.
- Are self-employed or without employer-sponsored disability benefits.
- Want affordable peace of mind that goes beyond your medical insurance.
Accident insurance is about more than just paying medical bills—it’s about protecting your income, your household, and your financial security while you heal.
Questions About This Coverage?
How is accident insurance different from health insurance?
Accident insurance is designed to supplement your medical plan, not replace it. While health insurance pays doctors and hospitals, accident insurance pays you directly, giving you the freedom to use the money however you choose.
What can the payout be used for?
There are no restrictions—you can apply the funds toward medical costs, childcare, transportation, mortgage payments, groceries, or anything else that supports your recovery.
Does accident insurance cover all types of injuries?
Most plans cover a wide range of accidental injuries, from fractures and burns to emergency treatments and hospital stays. Coverage details vary by carrier, and we’ll walk you through what’s included.
How much does accident insurance cost?
Premiums are typically affordable, especially compared to the potential costs of an accident. Rates vary based on age, benefit amount, and whether you’re covering just yourself or your family.
Can I combine accident insurance with other plans?
Yes – many people combine cancer and stroke coverage with hospital indemnity, life insurance, or critical illness plans. Bundling benefits can give you broader protection while keeping premiums manageable. We’ll help you coordinate everything so your coverage works together seamlessly.
