Right now with everything going on there are more accidents then ever before.  There are many types of accidents Accidents

Some you can prevent and others you have no control.  You should be covered for those accidents that you have no control over.  When it comes to accidents many people go to the emergency room.  This is a very expensive visit.  Now there are the 24 hour mini clinics and they are less costly then the emergency room.

To get covered there are many companies that offer accident coverage

The way you get treated and how you pay could be very different.  If you go to the emergency room  or a 24 hour clinic ask them how must will this cost with my insurance.  They may say they do no know but I disagree with that.