Accident Insurance
Accidents happen when you least expect them. Accident insurance pays cash benefits directly to you to help cover out-of-pocket costs while you recover.
Even with good health insurance, an unexpected accident can leave you with significant out-of-pocket expenses — deductibles, copays, and everyday bills that don't stop just because you're injured. Accident insurance fills that gap.
Unlike traditional health insurance, accident insurance pays cash benefits directly to you — not to your doctor or hospital. You use the money however you need it, whether that's medical bills, rent, or groceries while you're off work.
What Laura Helps You With
- Cash benefits paid directly to you after a covered accident
- Coverage for emergency room visits, hospitalization, and surgery
- Benefits for fractures, dislocations, and lacerations
- Physical therapy and follow-up care benefits
- Affordable premiums that fit any budget
- Plans that work alongside your existing health insurance
Frequently Asked Questions
How is accident insurance different from health insurance?
Health insurance pays your medical providers directly. Accident insurance pays cash benefits to you — giving you flexibility to cover any expense, medical or otherwise.
Do I need accident insurance if I already have health insurance?
Accident insurance is a supplement, not a replacement. It helps cover the out-of-pocket costs your health insurance doesn't — like deductibles, copays, and lost income.
What types of accidents are covered?
Most plans cover a wide range of accidents including falls, sports injuries, car accidents, and workplace injuries. Laura will review the specific benefits of each plan with you.
Talk to Laura Today
Don't let an unexpected accident derail your finances. Accident insurance is affordable and easy to add to your coverage.
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Ready to Get Started?
Call Laura today for a free, no-obligation conversation about your coverage options.