It provides cash benefits for accidental injuries, hospital stays, ER visits, ambulance services, and recovery costs. You receive payouts directly, regardless of your health insurance.

Yes. Accident insurance pays cash directly to you, not the hospital. It stacks on top of your existing health insurance, helping cover deductibles, copays, and out-of-pocket expenses.

Most applications are approved same day or within 24 hours. No long underwriting wait times.

Typically no. Most accident policies in the US require no medical exam, just a short health questionnaire.

You receive income support or disability benefits, depending on the plan. This helps cover rent, bills, groceries, and other essential expenses.

Yes. ER visits, X-rays, surgeries, and hospital stays caused by a vehicle accident are covered.

In most cases, no. Cash benefits from accident insurance are generally tax-free, as long as premiums are paid with after-tax dollars.

Coverage often begins immediately upon approval and first payment.

Accidents are unpredictable, and coverage must be active before an injury happens. Rates are lowest when you apply early and before any health issues appear.

We offer clear pricing, straightforward explanations, and tailored plans designed specifically for American workers, families, and drivers. No upsells. No confusion. Only the protection that actually fits your needs.