No one likes to think about the possibility of an accident, but the likelihood is inescapable. Have you or anyone you know ever had an automobile accident? Slip or fall? Or how about a sports injury? Whether it is a minor injury or something more severe, accidents often happen when your doctor’s office is not open, meaning you may have to go to the emergency room or urgent care where your out-of-pocket costs are the greatest.

Medical insurance offsets most of the treatment costs for injuries resulting from an accident. But what about the out-of-pocket costs you do not consider? There is your deductible, co-pays, prescriptions and even time off of work. It is inconvenient and expensive and can impact your financial situation. Accident insurance provides a hedge against this possibility paying benefits for injuries resulting from a covered accident.

These benefits are paid directly to you or your designee to use however you wish. The benefit schedule specifies payment amounts for events like hospitalizations, emergency room treatments, surgery, fractures, dislocations, burns, comas and diagnostic testing.