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Accident Insurance

Accident insurance is a smart investment, especially when you consider that there are millions of people involved in accidents every year. No one thinks about having an accident. But people do realize what an impact a large, unexpected bill can have on a budget.

Accident Insurance

Are you financially prepared to handle out-of-pocket costs associated with an accident? It can cost you thousands of dollars, even for a simple accident. Accident insurance plans help people face the financial consequences that result from accidents.

How it Works

Accident insurance is different from a regular medical insurance plan. The policyholder must submit a claim request to determine whether or not an accident is covered. A person’s major medical plan is still responsible for a portion of the costs. The rest can be covered by accident insurance, depending on the amount of coverage the policyholder has purchased. There is no waiting period or lifetime limit for accident insurance. Even better, the policyholder can seek care with any provider without worrying about a network.

Accident insurance covers things such as:

• Accidental dismemberment

• Death

• Sight and hearing impairments

• Paraplegic, quadriplegic and hemiplegic accidents


Any person can have unexpected medical costs stemming from an accident. If a policyholder is worried about exhausting their medical insurance, then they can choose to use their accident insurance. The insurance can also be used to cover gaps left by traditional health insurance.

Accident insurance is useful for when a person changes jobs, and lacks coverage or has a waiting period. This type of plan can be a good fit because it’s immediately available.

If you are interested in accident insurance, then contact an insurance agent.