Accident Protection
Accident Insurance Calculator
Estimate the coverage needed for medical expenses and income loss from accidents.
Medical Expenses
Avg. Medical Cost per Accident
$
Average cost of medical treatment for a serious accident
Rehabilitation Costs
$
Physical therapy, rehabilitation, and recovery expenses
Income Loss
Monthly Income
$
Your monthly income that would be affected
Recovery Time
months
Estimated time off work for recovery
Additional Expenses
Home Modification
$
Wheelchair ramps, bathroom modifications, etc.
Transportation / Caregiving
$
Transportation, in-home care, childcare during recovery
Existing Health Insurance
$
Amount your health insurance would cover
Need
100%
Total Accident Insurance Need
$0
coverage gap to fill
Medical Expenses
$0
Income Loss
$0
Additional Expenses
$0
Health Insurance Offset
$0
📊 Detailed Breakdown
| Category | Amount | % of Total |
|---|
How the formula works
Accident Insurance Need = Medical Costs + Rehab + Income Loss + Home Mod + Caregiving − Health Insurance
- Medical Expenses = Medical Cost + Rehabilitation Costs
- Income Loss = Monthly Income × Recovery Time (months)
- Additional Expenses = Home Modification + Transportation / Caregiving
- Total Need = Medical Expenses + Income Loss + Additional Expenses
- Coverage Gap = Total Need − Existing Health Insurance coverage
- Accident insurance provides lump-sum payments for accidental injuries