Accident insurance makes sense if a sudden injury would strain your budget. And that’s even if you already have health insurance.

It’s often a good fit if you’re active, have kids, commute frequently, or work a physically demanding job. It can also be helpful if you have a high-deductible health plan and want extra backup for out-of-pocket costs after an accident.

Yes. But think of accident insurance as extra support, not a replacement (yes, even if you’re young or healthy).

If you’re injured, your health insurance handles the medical care. Accident insurance pays you cash benefits that can help with deductibles, copays, or other out-of-pocket costs.

Accident insurance pays set cash amounts for covered injuries and treatments.

The money goes straight to you, not the provider. Use it on medical bills or on recovery costs like transportation, missed work, or childcare.