Accident Insurance

Accident insurance is designed to cover medical expenses and out-of-pocket costs that result from an accidental injury. Accidents can happen to anyone at any time, so it’s important to be protected.

According to the latest figures from the Centers for Disease Control and Prevention (CDC), there were 97.9 million visits to the emergency department for unintentional injuries over 12 months and another 24.8 million visits to physicians. Unintentional injury is the leading cause of death for people aged 1-44 in the United States, with 63,000 deaths recorded in 2019. To put things in perspective, this is similar to the number of deaths from suicide, murder, cancer, and heart disease combined.

Let’s answer all the questions you have about accident insurance policies.

What is accident insurance?

Accident insurance, also known as personal accident insurance, provides coverage in the case of an accidental injury. This includes emergency treatment, hospital stays, medical exams, and everyday expenses such as transportation and accommodation. Accident insurance is a supplemental type of coverage, which means it needs to be purchased in addition to your existing health insurance.

Who needs accident insurance?

By definition, accidents are impossible to predict, being both unexpected and unintentional in nature. Accident insurance can be beneficial to anyone. However, some people are more likely to suffer accidents than others, with higher levels of risk associated with certain professions, recreational activities, and age groups. If you want full health protection, accident coverage is essential.

What does accident insurance cover?

Accident expense insurance provides coverage for a variety of injuries resulting from an accident. Accident insurance covers a wide range of potential incidents, from relatively minor situations such as lacerations and broken limbs to severe situations such as loss of a limb, extensive burns, and paralysis.

Why should I get accident insurance?

Accident insurance provides financial support during a difficult time. This policy helps you meet your financial obligations when an unexpected accident occurs, from unpaid medical expenses to household bills. If you experience an accident, you can focus on your recovery instead of worrying about paying your bills. Benefits are paid directly to you, so you can decide how to best use the money in your specific situation.

If you’re interested in accident insurance a United Benefits Specialist can help you explore your options.