Accident coverage is a supplement policy that pays you, the policy owner, whenever you have an accident. You can use the money to pay the doctors your deductible or copay that your health insurance did not cover. Or, you can use the money to pay rent/mortgage, utility costs, etc while you are recovering and unable to work. If you are killed in the accident, the policy will pay your beneficiary.
You are always there willing to help me whenever I need it. That says something
Marion C Jr