Accident Insurance provides budget-friendly coverage to help with medical bills, recovery costs, and everyday expenses following an accident.
IDR Accident Insurance offers additional financial protection when the unexpected occurs, helping you and your family stay secure.
Kids face risks from sports, bikes, and playground mishaps—sometimes a simple broken arm can lead to thousands in expenses.
Key Details
IDR Accident Insurance provides cash benefits to help offset ER visits, urgent care, imaging, and follow-ups after a covered injury. It gives parents peace of mind and financial relief for bumps, sprains, and broken bones.
What to Know About Accident Insurance
Supplemental coverage that pays cash directly to you after a covered accident.
Not a substitute for major medical or disability insurance.
Benefits, exclusions, waiting periods, and payout amounts vary by state and plan.
Fast Next Steps
Review your current health plan’s deductible and typical ER/urgent care copays.
Weekend warriors, gym enthusiasts, and cyclists—all face slips, strains, and unexpected injuries.
Key Details
IDR Accident Insurance helps cover costs from sprains, fractures, and concussions following a covered accident. Think of it as a financial safety net while you recover.
What to Know About Accident Insurance
Supplemental coverage that pays cash directly to you after a covered accident.
Not a replacement for major medical or disability insurance.
Benefits, exclusions, waiting periods, and payout amounts vary by state and plan.
Fast Next Steps
Review your current health plan’s deductible and typical ER/urgent care copays.
We’ll help compare plan options, explain benefit amounts, available riders, and costs.
Workers in construction, delivery, warehouses, and mechanics face higher injury risks—even with workers’ compensation in place.
Key Details
IDR Accident Insurance can help cover out-of-pocket costs that workers’ comp may not, such as deductibles and copays. It also supports everyday expenses while you recover.
What to Know About Accident Insurance
Supplemental coverage that pays cash directly to you after a covered accident.
Not a replacement for major medical or disability insurance.
Benefits, exclusions, waiting periods, and payouts vary by state and plan.
Fast Next Steps
Review your health plan deductible and typical ER/urgent care copays.
We’ll help compare plan options, explain benefit amounts, available riders, and costs.
High-deductible health plans (HDHPs) lower monthly premiums, but accident expenses count toward your deductible before coverage kicks in.
Key Details
IDR Accident Insurance pays cash directly to you, helping cover large deductibles or other unexpected bills. It bridges the gap before your health plan fully takes over.
What to Know About Accident Insurance
Supplemental coverage that provides cash benefits after a covered accident.
Not a replacement for major medical or disability insurance.
Benefits, exclusions, waiting periods, and payout amounts vary by state and plan.
Fast Next Steps
Review your health plan deductible and typical ER/urgent care copays.
We’ll help compare plan options, explain benefit amounts, available riders, and costs.
Slip-and-fall injuries become more frequent as we age, and the associated recovery costs can add up quickly.
Key Details
IDR Accident Insurance helps cover ER visits, rehabilitation, and recovery costs after a covered accident, protecting your savings from unexpected medical expenses.
What to Know About Accident Insurance
Supplemental coverage that pays cash directly to you after a covered accident.
Not a replacement for major medical or disability insurance.
Benefits, exclusions, waiting periods, and payouts vary by state and plan.
Fast Next Steps
Review your health plan deductible and typical ER/urgent care copays.
We’ll help compare plan options, explain benefit amounts, available riders, and costs.
Without a sizable emergency fund, a single accident can quickly disrupt your finances.
Key Details
IDR Accident Insurance provides an affordable safety net, paying cash for covered injuries. Use the benefits for medical bills—or everyday expenses like rent, groceries, or childcare.
What to Know About Accident Insurance
Supplemental coverage that pays cash directly to you after a covered accident.
Not a replacement for major medical or disability insurance.
Benefits, exclusions, waiting periods, and payouts vary by state and plan.
Fast Next Steps
Review your health plan deductible and typical ER/urgent care copays.
We’ll help compare plan options, explain benefit amounts, available riders, and costs.
Three Simple Steps -
Sign up, report a covered accident, and receive cash benefits directly to you.
Select your benefit amount, pick individual or family coverage, and view your monthly cost instantly.
Complete a short application, set your start date—sometimes as early as tomorrow—and get your ID details.
After a covered accident, visit any provider, submit your bills and diagnosis, and receive cash benefits directly—use them for medical costs or everyday expenses.
The fixed monthly amount you pay to maintain your accident insurance coverage.
What it is
The regular payment you make (monthly or quarterly) to keep your accident plan active.
How it works
Paid directly to the insurer, it keeps your coverage in force. Premiums don’t change your cash benefit amounts—they’re set in your policy.
What affects it
Your age, chosen benefit level, optional riders (like AD&D or wellness), and whether you’re covering just yourself or your family.
Pro tip
Select benefit amounts that match your likely out-of-pocket costs, such as ER visits, imaging, or lost income from time off work.
Example
$25/month keeps your chosen accident benefit schedule active and ready to pay cash when needed.
Set cash benefits paid directly to you for covered accidental injuries.
What it is
A schedule of fixed cash payouts—e.g., $200 for an ER visit, $100 for an X‑ray, $1,000 for a fracture (amounts vary by plan).
How it works
Benefits are paid directly to you, not the hospital, so you can use the money for medical bills, everyday expenses, or recovery needs.
Pro tip
Focus on the events most likely in your life—sports, commuting, or home accidents—and ensure the payout amounts will cover your potential out-of-pocket costs.
Cash payout for ER or urgent care visits following a covered accident.
What it is
Fixed cash amounts for emergency room or urgent care visits after a covered accident, including facility fees and physician services.
Typical payouts
Urgent care visit: $75–$150
ER visit: $200–$400, plus additional amounts for imaging or tests
Note
Some plans may reduce the ER benefit if you’re not admitted. Always check plan details.
Larger cash benefits for fractures, dislocations, and related treatments.
What it is
Pre-set cash amounts for broken bones, dislocations, and related treatments, scaled by severity and whether surgery is needed.
Examples
Simple fracture: $500–$1,500
Complex fracture or surgical repair: higher payouts
Pro tip
Review plan details—some benefits vary for closed vs. open fractures or partial vs. complete dislocations.
Fixed cash benefits for accident-related imaging and lab tests, including X-rays, CT scans, and MRIs.
What it is
Fixed cash benefits for diagnostic tests (X-rays, CT, MRI, lab work) related to a covered accident.
Watch for
Separate payouts may apply for the test itself versus the physician’s interpretation.
Some plans limit total payouts per accident or per policy year.
Fixed cash payout for accidental death or covered injuries.
What it is
An optional rider or included benefit that provides a lump-sum payment for accidental death or covered injuries (like loss of limb, sight, or hearing).
Key points
Benefit amounts differ for accidental death versus dismemberment; partial losses typically receive partial payouts.
Coverage may vary for primary insured, spouse, and children.
Pro tip: Check if enhancements (e.g., seatbelt or airbag use) increase payouts for auto-related accidents.
Scheduled daily cash benefits for hospital, ICU, or rehab stays after an accidental injury.
What it is
Daily cash benefits for hospital, ICU, and rehab stays due to a covered accident.
Example
$200/day for a hospital room, $400/day for ICU, up to your plan’s maximum days.
Note
Certain plans may also provide scheduled amounts for surgery and anesthesia related to the accident.
Include your spouse and children, each with their own set of scheduled accident benefits.
How it works
Every covered family member has their own benefit schedule (amounts may vary by age or role).
Family coverage costs more but ensures protection for everyone under a single policy.
Pro tip
For active kids or high-risk family members, consider higher payouts for fractures, ER visits, and diagnostic tests.
Designed to complement your health insurance—cash benefits go straight to you, no matter what your medical plan pays.
What it is
Accident insurance is supplemental coverage that pays cash benefits in addition to your health plan.
Why it matters
Use the funds to cover deductibles, copays, coinsurance, or everyday expenses like groceries, rent, and transportation.
Coverage begins right away—benefits apply from the date of the accident.
Waiting Period
Most plans provide coverage as soon as the policy is active, but always confirm your specific plan details.
Benefit Period
Services generally need to occur within a set timeframe (e.g., treatment within 72 hours of the accident; claims submitted within a specified number of days).
Important: Exclusions – What Your Plan Doesn’t Cover
Common Exclusions
Illnesses or non-accidental injuries
Self-inflicted injuries or accidents related to intoxication
Professional sports or high-risk activities not covered by a rider
Injuries that occurred before the policy’s effective date
Pro Tip: Coverage can vary by carrier and state. Always review your policy carefully and check with us if you’re unsure whether an injury is covered.
The paperwork you submit to receive your cash benefits quickly and easily.
What to Keep for Claims
Record accident details: date, time, location, and how it happened.
Gather itemized medical bills, EOBs, imaging results, and discharge summaries.
Include police or incident reports if relevant.
Pro Tip: Submit your claim promptly and respond quickly to any follow-up requests to ensure fast processing.
Provides cash benefits for injury treatment after an accident—up to your plan’s maximum limit—with IDR by your side.
What It Does
IDR accident coverage helps pay for eligible medical expenses after a covered accident—like ER visits, urgent care, imaging, doctor consultations, and follow-ups—up to your selected maximum limit.
When It Helps
Provides immediate financial support, reducing your out-of-pocket costs so you’re not stuck covering the full bill on your own.
Things to Know
Coverage includes per-accident limits, may coordinate with other insurance, and is subject to certain exclusions.
Provides fixed cash payouts for each covered treatment—no matter what the actual medical bill costs—with IDR coverage.
What It Does
IDR coverage pays fixed cash amounts for treatments such as X-rays, stitches, ambulance services, and fractures—directly to you.
When It Helps
Provides predictable payouts you can use for any expense, whether medical or everyday costs.
Things to Know
Benefits follow a set schedule, so actual medical charges may exceed the payout amount.
Provides daily cash benefits for hospital or ICU stays resulting from a covered accident with IDR insurance.
What It Does
IDR provides daily cash benefits while you’re hospitalized or in the ICU due to a covered accident.
When It Helps
Helps cover lost income, copays, parking, childcare, and other everyday expenses during your stay.
Things to Know
Benefits are subject to daily limits, maximum days per confinement, and policy requirements for admission.
Offers a lump-sum cash benefit based on the type of bone fracture or injury with IDR coverage.
What It Does
IDR provides a scheduled lump-sum payout for covered fractures or dislocations, with amounts varying by bone type and treatment method (open vs. closed reduction).
When It Helps
Delivers immediate cash support for common accident-related injuries.
Things to Know
Partial and complete breaks are paid differently, and rules apply for multiple injuries or combined treatments.
Provides a lump-sum cash benefit for accidental death or specified qualifying losses with IDR coverage.
What It Does
IDR pays a lump-sum benefit to you or your beneficiaries in the event of accidental death or covered losses, such as loss of a limb or eyesight.
When It Helps
Provides affordable, foundational protection that many families rely on for peace of mind.
Things to Know
This is not life insurance—coverage comes with specific definitions and exclusions.
Provides weekly cash benefits if you’re unable to work due to a covered accident with IDR insurance.
What It Does
IDR provides weekly cash benefits—after an initial waiting period—if a covered accident causes temporary total disability.
When It Helps
Supports you by replacing lost income while you focus on recovery.
Things to Know
Benefits depend on occupation class, elimination period, partial disability rules, and maximum duration limits.
Provides coverage for dental repairs resulting from a covered accident with IDR insurance.
What It Does
IDR helps cover dental repairs—such as chipped or knocked-out teeth—resulting from a covered accident.
When It Helps
Dental injuries can be expensive and are often not fully covered by other insurance.
Things to Know
Cosmetic procedures are generally excluded, and benefits are subject to caps and time limits.
Add your spouse and children to your IDR plan at discounted rates for multiple insured members.
What It Does
IDR lets you extend accident coverage to your spouse and dependent children with bundled, discounted rates.
When It Helps
Protects the whole family—because one accident can affect everyone.
Things to Know
Coverage is subject to age limits, coordination with other plans, and dependent definitions.
Provides additional coverage for injuries sustained during school or league sports with IDR insurance.
What It Does
IDR offers enhanced benefits—higher payouts or lower copays—when accidents happen during covered organized sports.
When It Helps
Supports young athletes or hobbyists, because sports can be both fun and risky.
Things to Know
Coverage applies only to organized/official activities; semi-pro, professional, and extreme sports may be excluded.
Provides a small cash benefit for preventive gear or training, where available, with IDR coverage.
What It Does
IDR provides limited reimbursement for preventive classes or safety gear, where offered by the plan.
When It Helps
Encourages prevention—less risk, fewer claims, and smarter protection.
Things to Know
Availability varies by plan, and annual benefit caps are small.
Gotchas / Fine Print
Trip limits, mileage caps, scheduling rules, and availability vary by plan.
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Our licensed agents are certified in multiple states—call us or request a callback!
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
Provides extra financial protection by paying cash benefits if you’re injured in a covered accident. Use the benefits however you need—medical bills, groceries, or everyday expenses.
How Accident Insurance Works
You’re in a covered accident
Receive cash benefits directly from Insurance provider—paid directly to you, not the hospital.
Who Can Benefit from Accident Insurance
Families with active children
Adults in busy or high-risk professions
Athletes and fitness enthusiasts
Individuals with high-deductible health plans
Seniors seeking added peace of mind
What Accident Insurance Covers
Emergency room visits and ambulance transportation
Hospital stays and surgeries
Broken bones, burns, and dislocations
Physical therapy and rehabilitation
Accidental death and dismemberment (if included in your plan)
Yes. Insurance accident coverage is supplemental, helping pay out-of-pocket expenses that your health plan may not cover, such as deductibles and copays.
Insurance accident protection is typically very affordable—often just a few dollars per week—depending on your age, location, and selected coverage.
Call, text, or click. We’re ready when you are.
Call: (636) 556-5555, (314) 499-8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
