Skip to main content
Kincaid Solutions — independent insurance agencyInsurance as it should be.
Quote
Accident & Catastrophic Insurance

Financial Protection When an Accident Disrupts Your Life

Accident insurance may help with unexpected costs after a qualifying injury, while catastrophic coverage can provide added protection for more serious accidents.

Get a Personalized QuoteSchedule a Consultation

Personalized guidance. Clear options. Protection built around your needs.

A family enjoying a sunny afternoon in the park, representing families protected by accident and catastrophic insurance

Unexpected Costs

Help with qualifying accident-related expenses.

Additional Coverage

May work alongside your existing health insurance.

Serious Accident Protection

Added financial protection for severe covered injuries.

Accident Insurance

For common qualifying injuries and treatments.

  • Fixed or scheduled benefits
  • May work with other coverage
  • Optional income protection may be available
View Coverage Details
  • Benefit amounts per insured person, per qualifying covered accident
  • Optional accident disability income benefit
  • Optional accidental-death benefit rider
  • Renewability and continuation terms depend on the policy

Specific benefit amounts, riders, and terms vary by policy. Request a quote for personalized options.

Explore Accident Coverage

Catastrophic Accident Insurance

For severe accidents and substantial covered expenses.

  • Higher benefit potential
  • Designed for major accidental injuries
  • Additional long-term financial protection
View Coverage Details
  • Higher lifetime benefit potential for severe qualifying accidents
  • Designed to add long-term financial protection after other coverage
  • Coordination with primary medical coverage may apply
  • Availability, eligibility, and benefits depend on the policy

Specific benefit amounts, riders, and terms vary by policy. Request a quote for personalized options.

Review Catastrophic Coverage

Benefit amounts, eligibility, exclusions, limitations, and availability vary by policy, applicant, carrier, and state. Review the policy for complete details.

Why It May Help

  • Medical deductibles and coinsurance
  • Transportation and follow-up care
  • Time away from work
  • Household or childcare expenses

Accidents often create expenses beyond medical bills. These benefits may help with additional qualifying costs during recovery.

How It Works

  1. Tell Us About Your Needs

    Share your situation, current coverage, and budget.

  2. Compare Available Options

    Review accident and catastrophic coverage choices.

  3. Apply With Guidance

    Receive help with the application and next steps.

Personalized insurance guidance

You Do Not Have to Figure It Out Alone

Accident and catastrophic coverage can feel complicated, but choosing protection does not have to be. Kevin and Joy can help you understand your options, compare available plans, and identify coverage that aligns with your household’s needs and budget.

Request a QuoteSchedule a Consultation

Frequently Asked Questions

No. Accident insurance is supplemental coverage and does not replace comprehensive health insurance.

No. The accident, injury, treatment, and claim must meet the policy definitions and requirements.

Prepare for Life’s Unexpected Accidents

Get clear guidance and compare coverage options designed around your household and budget.

Get My Personalized QuoteSchedule a Consultation

Insurance products, benefits, coverage amounts, availability, renewability, underwriting requirements, exclusions, limitations, and eligibility vary by insurer, policy, applicant, and state. This page provides general information only and does not replace the terms, conditions, benefit schedule, limitations, or exclusions contained in the applicable policy. Coverage is not effective until approved, issued, accepted, and all applicable premium requirements have been satisfied.

CallFree Quote