09/14/2026
Most people don’t think about accident insurance until something actually happens.
A fall. A broken bone. An unexpected ER visit.
And then the questions start.
“What will my health plan cover?”
“How much am I going to owe?”
“Would extra coverage have helped here?”
That’s why I don’t look at accident insurance as something everyone automatically needs.
I look at what you already have, what you could be responsible for after an accident, and whether supplemental coverage would actually make sense for your situation.
Sometimes it does. Sometimes it doesn’t.
My latest newsletter breaks down what accident insurance is designed to do and the questions worth asking before deciding if it belongs in your coverage.
When people hear the words “accident insurance,” one of the first things they ask is, “Do I really need it?” My answer is usually the same. It depends on your situation.