Accident Insurance
Cash Payouts for Accidental Injuries
Accident insurance provides cash benefits if you or a family member is injured in an accident. From a broken bone to an ambulance ride, the plan pays fixed amounts you can use for medical costs, household bills, or recovery needs. Benefits go directly to you, not the hospital.
How Benefits Work
Policies list specific payouts for injuries or treatments. For example:
- $100 for an urgent care visit
- $500 for a broken arm
- $200 for an ambulance ride
- $1,000 per day in intensive care
Payments arrive once the claim is filed and verified, regardless of actual bill amounts.
Affordable Family Protection
Accident plans can be purchased for individuals or entire families. With family premiums often in the $20–$30 per month range, a single ER visit can offset years of premiums.
Why Accident Plans Are Popular
Everyday risks add up. Falls, sports injuries, and car accidents can lead to high medical bills.
Active families benefit. Kids in sports or adults in physical jobs face higher accident risks.
High-deductible plans need backup. Accident coverage helps offset large deductibles or co-pays.
High-deductible plans need backup. Accident coverage helps offset large deductibles or co-pays.
Accident Insurance FAQs
What qualifies as an accident?
Sudden, external events causing injury, such as falls or car crashes.
Does it cover work injuries?
Some policies exclude injuries covered by Workers’ Comp. We help clarify your plan’s terms.
Are sports injuries included?
Yes, youth and recreational sports are generally covered.
Is there a limit on how often I can use it?
Many plans cover multiple accidents, with annual limits explained upfront.
