Break bones and get paid.  What could be simpler?  Actually, there is more to it than just that.  An accident polic includes all kinds of coverage that can supplement existing health insurance coverage to offset deductibles and/or copays under your medical plan.  Whether you’ve got health insurance or not, it pays you directly.

For example: suppose your mountain biking and fall off your bike and fall down the side of a mountain like this guy…an accident policy would come in real handy.