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Pinned by mods · accident-insurance

Accident Insurance (Trade-Specific)

Major medical handles the hospital bill. Accident insurance pays YOU a lump sum for the actual injury — so a flash burn from a battery short, a deep palm cut from a sheet-metal edge, or a hearing-loss diagnosis after years on the impact gun doesn't drain your savings while you're out of work.

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What's covered

  • Lacerations, punctures, and crush injuries from tools and parts
  • Burns from welders, exhaust, batteries, and chemical splash
  • Eye injuries — foreign objects, chemical exposure, arc flash
  • Fractures and dislocations from slips on shop fluids or lift work
  • ER visit, ambulance, X-ray, and follow-up appointments as fixed cash benefits

Who it's for

  • Techs whose major-medical deductible is $3,000+
  • Body shop and collision techs handling grinders and welders daily
  • Mobile mechanics working alone with limited first-response access
  • Shop owners who want to offer a benefit that pays techs directly

Top questions from the thread

How is this different from workers' comp?

Workers' comp only covers on-the-job injuries and pays the doctor. Accident insurance pays you cash on or off the clock — including weekend wrenching and side jobs.

Does it pay even if I'm not hospitalized?

Yes. Most plans pay fixed benefits for ER visits, urgent care, X-rays, and follow-up — no hospitalization required.

Can I stack it with my ACA plan?

That's the most common setup we quote. Accident coverage fills the deductible gap so a $4,500 ER bill doesn't wipe out your tool fund.