Accident Insurance.
Cash When the Unexpected Happens.
Accident insurance pays you directly when you are injured — helping cover out-of-pocket costs your health insurance does not. Fast, simple, and affordable.
How Does Accident Insurance Work?
You pay a low monthly premium. If you suffer a covered accident, the plan pays you a lump sum or scheduled benefit — directly to you, to use however you need.
Emergency Care
Covers ER visits, ambulance rides, and urgent care after a covered accident.
- ER visit benefit paid directly to you
- Ambulance transportation covered
- Urgent care visits included
- No network restrictions on benefits
Fractures and Dislocations
Broken bones and dislocations trigger scheduled cash benefits based on injury type and severity.
- Scheduled benefit per fracture type
- Dislocation benefits included
- Surgery and anesthesia benefits
- Physical therapy benefit available
Hospitalization
Daily hospital confinement benefits help replace income and cover expenses while you recover.
- Daily hospital benefit per day
- ICU/CCU higher benefit amount
- Follow-up care visits covered
- Rehabilitation facility benefit
Who Needs Accident Insurance?
Families with Active Kids
Sports injuries, falls, and accidents happen. Protect your family from unexpected out-of-pocket costs.
High-Deductible Plan Holders
If your health plan has a high deductible, accident insurance helps bridge the gap before coverage kicks in.
Physical Workers
Manual labor, construction, and outdoor workers face higher injury risk. Accident coverage is affordable protection.
Ready to Find the Right Accident Plan?
Our licensed agents shop multiple carriers to find you the best value. No pressure, no obligation.
Lander LLC d/b/a Lander Insurance is a licensed independent insurance agency — not a bank, lender, financial advisor, or direct insurance carrier. We help consumers compare and enroll in insurance products offered by licensed insurance carriers. Insurance products are not bank deposits, are not FDIC insured, and are not guaranteed by any government agency. Plan availability, premiums, and benefits vary by state, age, and carrier. This website is operated by Lander LLC d/b/a Lander Insurance, a licensed independent insurance agency. We are not affiliated with or endorsed by any government agency or the federal Medicare program.
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