Your guide to
Accident Insurance in Texas
Accidents can happen when you least expect them. Our agency helps you understand how accident insurance pays benefits after a covered injury, in addition to your health insurance, not instead of it.
What it covers
Common accident insurance benefits
Accident policies generally pay set amounts for specific covered injuries and treatments. Benefits, limits and exclusions vary by policy.
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Emergency care
May pay a benefit for a covered emergency room or urgent care visit after an accident.
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Fractures and dislocations
Many policies list set benefits for covered fractures and dislocations, depending on the type of injury.
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Ambulance
Some policies pay a benefit for covered ground or air ambulance transportation after an accident.
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Hospital stay
May pay a benefit if a covered accidental injury leads to a hospital admission.
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Follow-up care
Some policies include benefits for covered follow-up visits, physical therapy or medical equipment after an injury.
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Benefits paid to you
Benefits are often paid directly to you, and you can generally use them for medical bills, a deductible or everyday expenses.
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Why it matters
Help with the costs a health plan leaves behind
Even with health insurance, an injury can bring deductibles, copays and costs that have nothing to do with medical care, like time away from work or getting around while you recover. Accident insurance pays benefits in addition to your health plan, not instead of it.
Accident policies cover injuries, not illnesses, and many exclude certain activities or situations. Reading the list of covered injuries and exclusions helps you know what to expect.
Accident insurance is not a substitute for health insurance, and it does not pay for care the way a comprehensive health plan does.
Answers
Accident insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
No. Accident insurance pays benefits for covered injuries from accidents. Illness is handled by your health insurance or by other policies, such as critical illness or hospital indemnity coverage.
Many accident policies pay set amounts directly to you after a covered injury. The policy lists the benefit for each covered injury or treatment, and you file a claim to receive it.
Many accident policies offer options to cover a spouse and children. We can help you review who is covered and what each policy includes.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.