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What is Accident Insurance?

Accident insurance pays benefits when you’re injured. It’s a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation needs.

Why Do I Need Accident Insurance?

If you’re in an accident, your major medical plan may cover most of your expenses. But you’re likely to be responsible for out-of-pocket expenses such as deductibles and co-pays, plus medical appliances and transportation.

In addition, your regular bills, such as the mortgage or rent, car payments and utility bills don’t stop when you’re laid up after an accident. LICOA’s accident insurance benefits are paid directly to you, so you can use them to help with your normal bills as well.

Important Accident Facts

Across the US, accidents happen at an alarming rate. Every second of every day, someone is disabled from an accidental injury. And 1 in 9 Americans – nearly 34.3 million people – receive medical attention for an injury annually. According to the National Safety Council, falls are the #1 cause of all accidental injuries in the U.S.

The cost of hospitalization and emergency-room care can cost more than an average family earns in a month, yet millions of Americans are not prepared to pay for any expenses that major medical insurance will not.