For All Your Insurance Needs

Colt’s Commentary – February 2022: What is Accident Insurance?


Hey there,

Here’s an interesting fact for you, one out of every five falls leads to an injury such as a broken bone or a head injury… ouch!

Living in Michigan, we know that during the wintertime it can get quite slippery outside. This can easily lead to a slip and fall injury.

Did you know that about 1 million Americans are injured each year from falling on ice and snow?!

  • It’s true, that’s why you always want to make sure to walk really slow like a duck so that you don’t slip and fall. 

It is also important for businesses and homeowners to make sure that their sidewalks/ driveways/ parking lots are snow and ice-free so that it is safe for people (and pets) to walk on.

In the event you do get injured from a slip and fall, your health insurance will likely help with the costs, but for some things it doesn’t cover, accident coverage is there to help.

What is accident insurance?

  • Accident insurance is NOT Health Insurance!
  • Personal Accident Insurance can be purchased in addition to your health insurance to help with unexpected costs resulting from your injury.

What expenses are covered?

  • If you’re injured, a personal accident policy pays you benefits for:
    • Hospital 
    • X-Rays
    • CT/ MRI
    • Surgery
    • Prescriptions
    • Follow-up care 
    • Rehab
    • Durable medical equipment


Here at McGovern Agency, we can enroll you in a plan that pays you directly for expenses incurred, even if they are covered by your health insurance.

The funds from the accident plan paid for you can be used to cover other expenses that may be a result of you being injured, such as housecleaning, child care, yard work/ snow removal, carry-out meals, and more.

In fact, you can use the money for a much-needed vacation as part of your recovery! ?

– Colt

Keep on Your Feet—Preventing Older Adult Falls | CDC

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –


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