Accident Insurance

You can’t always avoid accidents— but you can help protect yourself.

Accident Insurance

You can’t always avoid accidents— but you can help protect yourself.

When life takes an unexpected turn, Accident Insurance can help you pay for the expenses not covered by your medical insurance if you have a covered injury and need treatment.

Even with good insurance, accidents can bring significant expenses

Injuries can set back your finances in a big way, and they’re more common than you might think. Every 10 minutes, over 750 Americans suffer an injury severe enough to seek medical help.1 Unexpected injuries can bring out-of-pocket fees that you’re not prepared to pay.

When you or your family members receive treatment after a covered accident, the last thing you want to worry about is how out-of-pocket expenses associated with treatment are adding up. Accident Insurance can provide benefits paid directly to you for:

  • Initial care and surgery
  • Urgent care and emergency room visits
  • Ambulance and other transportation to the hospital
  • Hospital stays and lodging expenses related to the accident
  • Follow-up care, such as doctor’s office visits and physical therapy appointments

1. National Safety Council, “Injury Facts” (2017)
If you or a covered family member is injured, an Accident Insurance plan can help protect your finances and pay you a lump-sum to help take care of unexpected costs covered by your plan. Here’s how it works:

  • A set amount is payable directly to you based on the type of injury and required treatment
  • Use the payment as you see fit, such as to cover doctor visits, ambulance fees and hospital bills
  • Accident Insurance is paid regardless of whether the injury occurred on-the-job or off-the-job, depending on the plan chosen.
  • With Accident Insurance through Pierce Insurance, you have the option to elect:
    • Wellness rider
    • Disability rider
  • Accident Insurance can also help provide for your family in the case of dismemberment or accidental death

Coverage is available for your spouse and children.

Jack and Jill went up the hill to fetch a pail of water. Jack fell down and broke his arm and tore his knee cartilage. Jill ran to his rescue and called 911. The ambulance transported Jack to the hospital, and he was admitted to the emergency room and eventually spent one night at the hospital. Jack was treated by a physician for torn knee cartilage, and his knee was repaired the following week. Jack had to receive 10 sessions of physical therapy. He visited his physician and is doing well. Jill incurred no injuries.

Jack received a total of $2,200 to help cover his out-of-pocket expenses giving him peace of mind.

What is Accident Insurance?

Accident Insurance can pay a benefit directly to you if you are injured (on or off the job depending on the plan chosen) and need treatment, whether you go to a physician’s office, urgent care center or the emergency room.

How much does my plan pay?

The amount of benefits you receive depends on the type of injury and the required treatment as determined by your physician as well as the plan chosen.

How can I use the money?

The payments are made directly to you, so you can use the money however you need, whether it’s to cover co-pays, deductibles or personal bills and expenses that your medical plan doesn’t cover.

Am I guaranteed coverage?

You are guaranteed to receive the base plan coverage without health questions and without undergoing a physical exam.

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