5 Reasons Why You Should Buy Accident Insurance

Accidents can happen to anyone when they least expect it. Whether you’re in your car, at work, or at home, an unintentional incident can leave you and your loved ones, physically, emotionally and financially devastated. If any of this happens to you, do you have enough savings to cover the costs?  Even if you already have health insurance, you can still add accident insurance. This type of coverage can help protect you and your family from financial hardship.  

According to the CDC National Center for Health Statistics, in 2022, the number of emergency department visits for unintentional injuries was 26.2 million [1]. In the same year, unintentional injuries or accidents were the third leading cause of death in the United States, accounting for around 7% of all deaths [2]).  Many households are impacted by these sudden events, and countless individuals involved in these accidents were not covered by health or accident insurance. That’s why it’s important to prepare for the unexpected, because a serious injury can bring not just physical pain, but financial strain as well. 

What Is Accident Insurance? 

Accident insurance is a type of policy that provides cash benefits when accidents happen, helping protect you and your family from the financial impact of injuries, travel accidents, or even accidental death. It could help pay for medical bills, everyday expenses, and lost income. It doesn't replace your regular health insurance but can add additional protection.  

Here’s an example of how it helped this father of two: James fell off a ladder and fractured his leg. He needed surgery and couldn’t work for three months. His health insurance helped with some medical bills, but not everything. Luckily, James had accident insurance. He got a cash payment and used it to pay rent, buy food, pay for childcare, and make his doctor visits. It helped his family stay financially stable while he healed. 

Here are 5 Reasons to Buy Accident Insurance 

1. Protects you from the unexpected 

Accidents can disrupt your life in seconds. This extra layer of protection gives you the financial cushion to handle the unexpected, so you can focus on recovery, not bills. 

2. Protects your finances from surprise costs 

Medical bills, time off work, and everyday expenses add up fast. Accident insurance helps fill the gaps your health plan may leave behind. 

3. Protects the people who count on you 

If others rely on your income or care, an accident could strain your whole household. This coverage helps reduce that burden.

4. Protects you when your lifestyle involves risk 

If you travel, play sports, ride motorcycles, or work a physically demanding job, you’re more likely to need added protection.

5. Protects your freedom to choose 

You receive a cash benefit directly, to use however you need — whether for medical bills, rent, groceries or anything else. 

Interested in adding accident insurance to your policy? For as little as $1 a day, * you can help protect your financial stability.  Let a Kemper Life agent come to your home and help you navigate your options, because peace of mind has its benefits.  

* Coverage and pricing vary by state and individual eligibility. Ask your agent for full policy details and exclusions. 
 

Protect your home. Protect your family. And protect your peace of mind.

Sources: 

Kemper Life is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues. 

This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal, or estate planning professional.”  

*All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.  Please contact your agent or nearest district office for more information.