Accident insurance provides compensation for accidental injury or death. Accident insurance covers death, dismemberment, loss of sight, loss of income, and medical expenses caused by accidental injury.  Several providers offer a variety of coverage options related to specific situations (Music Festivals, Sports, Falls, Public Transportation etc.)  Generally, claim proceeds are paid directly to the insured rather than the provider of services such as a doctor or hospital.  It is very useful in covering costs and loss of income during disability.