Intro to Accident Insurance

Accident insurance pays a benefit should you be injured in an accident. This helps because accidents can lead to high expenses. It could involve un-paid time from work, medical deductibles and co-pays. In a worse-case scenario, you might possibly need a home health aide or nurse to assist you. This type of insurance helps you financially when you need it most.


Accident insurance covers a variety of injuries. Some common injuries covered include burns, dislocations, fractures, lacerations, and concussions. Coverage is also for services such as an ambulance, physical therapy and a visit to an emergency room.

Is it Necessary?

Anyone in a high-risk job should consider this coverage. Families with small children should consider it as well. It will be an expense, but it’s usually possible to find an affordable plan.

After an injury occurs, you pay the deductible and then the policy picks up remaining expenses. These will be expenses not covered by your main health insurance policy. Your accident insurance can possibly also pay lost wages, deductibles or co-pays.

Not all policies are the same, so it’s important to understand what you’re getting. For instance, some plans cover death and dismemberment but not all of them do. No one wants to need accident insurance, but accidents do happen. You’ll be glad you have the coverage should you need it.