Accident Insurance · South Florida
From the ER visit to the last physical therapy session — paid in cash.
Cash benefits for emergency visits, fractures, dislocations, imaging, ambulance rides and follow-up therapy — whether it's a boating incident, a bike crash on A1A, or a kid's soccer game.
Why it matters
The cheapest supplemental policy, and the one that pays most often.
Accidents are the claim people actually file. A broken wrist that costs a $250 urgent-care copay, a $2,400 imaging bill against an unmet deductible, an ambulance ride billed out of network, and twelve weeks of physical therapy at $40 a visit — none of it catastrophic, all of it real money.
Accident plans pay a published schedule for each of those items. Premiums usually run $12–$35 a month for a family, and a single ER visit often returns more than a year of premium. For self-employed contractors and tradespeople in Broward County with no sick leave, it's close to essential.
What's included
What the schedule typically pays.
ER & Urgent Care
A fixed benefit for each emergency room or urgent-care visit following an accident.
Fractures & Dislocations
Published amounts by bone and severity, paid directly to you.
Ambulance & Air Transport
Ground and air ambulance benefits — meaningful given out-of-network billing.
Imaging & Diagnostics
X-ray, MRI and CT benefits that offset an unmet deductible.
Follow-Up & Therapy
Per-visit payments for follow-up appointments and physical therapy.
Family & Sports Coverage
Child athletes included — one of the most-used benefits in family plans.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Accident Insurance questions we hear every week.
What does accident insurance cover?+
Injuries from accidents: ER and urgent-care visits, fractures, dislocations, burns, lacerations, concussions, ambulance transport, imaging, surgery, follow-ups and physical therapy — each paid on a fixed schedule.
Is it worth it if I have health insurance?+
Yes, because it pays you regardless of your deductible. With a $6,000 deductible, a broken arm is entirely out of pocket until you hit it — accident cash covers that stretch.
Are sports injuries covered?+
Yes, including youth and recreational sports. Some plans exclude professional competition and certain high-risk activities, which we flag before you enroll.
How fast do claims pay?+
Most carriers pay within days of receiving documentation, and several now accept claims through an app.
Can I combine it with other coverage?+
Absolutely. Accident, hospital indemnity and critical illness stacked together typically close nearly every out-of-pocket gap for $60–$100 per month.
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Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.