Accident

Cash when an accident sends someone to the ER

Most accidents do not happen on the clock

Coverage should not stop there either

Off the clock

Cash to the employee

Real financial protection

What Accident Coverage Actually Is

Pays a cash benefit directly to the employee for

urgent care, an ER visit, or a hospital stay

following a covered accident

Not tied to workers' comp,

not dependent on the injury happening at work

Why It Matters

85 percent of medically-consulted injuries happen off the job (National Safety Council)

Workers' comp does not apply to most real accidents employees actually face

Average medical cost for a non-fatal ER-treated injury runs

$4,777 to $6,620 (CDC)

A bone fracture averages 97 lost workdays, a dislocation 140 (BLS/NSC)

Physically demanding jobs often require 6 to 12+ weeks fully off work

The same injury a desk job recovers from in 1 to 2 weeks

Workers 55 and older take nearly double the recovery time of younger workers for an identical injury

FAQ

Q: What does voluntary accident insurance cover?

A: Pays a cash benefit directly to the employee for

urgent care, an ER visit, or a hospital stay after a covered accident

Q: Does this replace workers' compensation?

A: No. Workers' comp only covers injuries that happen on the job. Most accidents happen off the job, where workers' comp does not apply

Q: Who receives the payment when a claim is filed?

A: The employee, directly, to use however it's actually needed

Q: Does this cost the employer anything?

A: No. Employees pay for this through payroll deduction.

Most see it simply as a benefit their employer made available,

not something they would have gone out and bought on their own

Not sure if accident coverage fits your team? Let's talk.

ABOUT US

Become a Referral Partner

General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept

I am a licensed Insurance Agent in any state I do business in

I am not an attorney, I do not give legal advice but I know some if you need one

I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce

I am not a doctor, I do not give medical advice but I can help look up doctors in your network

I represent multiple carriers so I have more options for you

I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN

Some policies are guaranteed issue, some require underwriting

Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation

Not all products are available in all states

We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options

AgentDavidCares.com does not provide tax advice. Tax savings vary by individual. Please consult your accountant or tax advisor.

Updated 08/23/2026