Accident Insurance
Accident Insurance — Fast, Affordable Protection
Sudden injuries can produce big medical bills. Accident Insurance helps pay eligible costs quickly so you can focus on recovery, not finances.
Accidents happen—on the field, at work, in the driveway, or on vacation. When they do, out-of-pocket costs like emergency room fees, imaging, surgery, and rehab can add up fast—even if you already have health insurance. Our Accident Insurance solution is designed to pay benefits quickly for covered injuries, helping you bridge deductibles, co-pays, and other unexpected costs.
At Diversified Insurance Brokers, we make it simple to compare options, tailor benefits, and enroll online. If you prefer a guided review, our team will walk you through coverage choices and pricing in minutes.
What Accident Insurance Typically Covers
Emergency care, imaging, surgery, and follow-up treatment
Plans are designed to pay cash benefits for covered accidental injuries. Depending on selections, benefits may include:
- Emergency room and urgent care visits following an accidental injury
- Ambulance transportation (ground or air, where eligible)
- Diagnostic imaging such as X-rays, CT scans, and MRIs
- Physician and specialist treatment after a covered accident
- Hospital confinement and surgical procedures
- Rehabilitation, physical therapy, and follow-up care
- Accidental death and dismemberment (AD&D)—when included
Coverage details vary by plan and state. We’ll help you review the schedule of benefits before you enroll.
Who Should Consider Accident Insurance?
Active families, weekend athletes, and high-deductible health plans
- Families with active children in sports or outdoor activities
- Individuals with high-deductible health plans who want help with large out-of-pocket costs
- Self-employed professionals who prefer predictable, budget-friendly protection
- Adults with adventurous hobbies like skiing, cycling, or rec-league sports
- Students or recent grads needing a financial backstop for injuries
If you’re comparing protection options across your household, you can also review our
comprehensive life insurance services
to round out your financial safety net.
How Benefits Are Paid After Covered Injuries
Simple claims with fast cash benefits to you or providers
- Seek treatment at the ER, urgent care, or with your doctor after an accident.
- Collect basic documentation (visit notes, itemized bills, accident details).
- Submit a quick claim online. Most benefits pay directly to you (or can be assigned to a provider).
- Use funds for deductibles, co-pays, transportation, childcare, or any other expense.
We’ll guide you on how to submit clean claims so benefits process quickly.
How Much Does Accident Insurance Cost?
Premium factors: age bands, benefit levels, and optional add-ons
Pricing is typically based on the benefit schedule you select (how much the plan pays per service), optional riders (e.g., higher AD&D limits), and whether you enroll as an individual or family. Many households choose a benefit level that closely matches their health plan deductible so they have practical, day-to-day protection.
- Individual coverage often starts at budget-friendly monthly rates
- Family coverage adds spouse/child benefits for a modest increase
- Higher schedules increase payouts for ER, surgery, rehab, and hospital stays
Accident Insurance vs. Health Insurance
How accident benefits complement your medical plan
Health insurance pays providers according to your plan’s deductible, co-insurance, and network. By contrast, Accident Insurance pays cash benefits for covered injuries. Many families use accident coverage to help offset:
- Emergency room and urgent care co-pays
- Imaging and specialist costs after an accident
- Lost wages, transportation, or other non-medical expenses
If you’re evaluating broader protection across your household, our team can coordinate accident coverage alongside
long-term care planning options
and other complementary policies.
How to Apply for Accident Insurance Online
Three steps to coverage—review, choose, enroll
- Review benefit levels and pick an ER/urgent care schedule that matches your needs.
- Choose optional riders (e.g., higher AD&D) if you want added protection.
- Enroll online in minutes with instant confirmation and policy documents.
Ready now? Use the button below to get started, or learn more about our advisors before you apply.
Accident Insurance — Frequently Asked Questions
Does Accident Insurance pay me or the medical provider?
Benefits are typically paid to you, and you can use the funds for deductibles, co-pays, travel, or other bills. You may also assign benefits directly to a provider if you prefer.
Can I have Accident Insurance and health insurance together?
Yes. Accident coverage complements your medical plan by paying cash for covered injuries, helping with out-of-pocket costs that health insurance doesn’t fully cover.
Are sports injuries and weekend activities covered?
Most plans cover a wide range of accidental injuries, including many sports and activities. Some high-risk pursuits may be excluded; we’ll review the details for your state and plan.
How fast are accident claims paid after I file?
Clean claims with complete documentation are often paid quickly. We’ll help you submit what’s needed so there are no delays.
Can I enroll family members on the same policy?
Yes. You can typically add a spouse and children for a modest additional premium. We’ll price individual versus family options for you.
Want help picking the right benefit level?
We’ll compare schedules, review exclusions, and match coverage to your health plan.
