Direct Financial Protection

Don't let an accident break your family's finances.

Your health insurance covers the hospital, we cover your pocket. Receive cash directly to your account to use however you need while you recover.

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100% Free Consultation
Available Balance
$4,500.00
Payment Approved
+$1,500.00
Emergency Care
Direct Deposit
+$3,000.00
Hospital Stay

The timeline of your recovery

Unlike traditional health insurance that only pays doctors, our accident policy is with you with cash payments at every stage of your recovery.

The Incident (Day 1)

Ambulance, ER visit, and X-rays.

What you receive: Get cash payments for emergency transportation and initial exams.

The Stay (Day 1-3)

Hospitalization or Intensive Care (ICU).

What you receive: We pay you for every night you spend in the hospital, with additional bonuses for ICU.

The Treatment (Day 4+)

Surgeries, fracture treatment, or burns.

What you receive: Direct cash to cover the high cost of surgical interventions or specialized treatments.

The Recovery (Weeks)

Physical therapy, crutches, or wheelchairs.

What you receive: Coverage for your follow-up appointments and medical equipment needed to get back to normal.

Do you know how much an accident costs?

Even with good health insurance, deductibles can drain your savings. Discover how an accident policy protects you from "out-of-pocket expenses."

1. Select a scenario:

Details: Includes ER visit, X-rays, casting, and follow-up visits.

2. The Financial Impact:

Total Medical Cost (Approx.) $2,500
Your Out-of-Pocket Expense (Deductible) $1,500

What you have to pay from your savings or credit cards.

The policy pays you: +$1,800

Direct money to your bank account.

Your out-of-pocket expenses are completely covered!

Frequently Asked Questions

We answer your questions about how accident insurance works.

Yes, absolutely. Accident policies cover unforeseen injuries both at work and outside of it, including recreational activities and amateur sports. As long as it's not a self-inflicted injury or the result of an illegal activity, you'll be covered.
No. Accident insurance is a "supplemental" policy. This means it works alongside your primary health insurance (like the ACA/Obamacare Marketplace or employer coverage). Your primary insurance pays the hospital, and accident insurance pays you directly.
The money is deposited directly into your bank account (or sent by check, whichever you prefer). You decide how to use that money: you can pay your medical deductible, your rent, groceries, or any other expense while you recover.
Most of our accident policies don't have long waiting periods for accidental injuries. Coverage generally begins almost immediately after your application is approved and the first payment is made.
No, the vast majority of accident policies have guaranteed approval or a very simplified underwriting process without the need for medical exams, blood work, or extensive medical histories.
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Protect your family from the unexpected — get a quote now

No cost, no obligation. Just an honest conversation about your options.

LA Castle Brokers Group

Accident Insurance

Complete the form and an agent will contact you to design coverage that protects your income against any accident.

No cost. No obligation. We'll contact you within 24 business hours.

For less than what you spend on coffee each month,
protect your family from the unexpected.

Get my accident insurance quote