Accident insurance helps cover the cost of an injury
If you experience a covered accident or injury, accident insurance can help pay out-of-pocket expenses, such as emergency room fees and doctor’s bills, so you can focus on recovery.
Ease the financial impact of accidental injury
Accident insurance can help cover out-of-pocket expenses resulting from an injury. Examples of out-of-pocket costs include:
- ER visits, X-rays, diagnostic exams, physical therapy and follow-up treatment
- Ambulance or air ambulance to a hospital
- Hospital stays, travel or lodging expenses related to an accident
Ashley’s benefits story
Common causes of accidental injury
Accidents can happen to anyone, anytime. Examples of common accidental injuries include:
- Car accidents
- Trips, slips and falls
- Sports injuries
- Sprains and strains
- Lacerations
Benefit stories: How accident benefits can help
Destiny and Jada: Injured ankle
Destiny’s teenage daughter, Jada, dislocated her ankle falling off her bike. Some of the treatment wasn't covered by health insurance. Destiny's accident benefit helped cover costs for X-rays, crutches and follow-up treatment.
Greg and Lisa: Broken collarbone
Greg and Lisa love to go camping. One night, Greg tripped over the logs for their campfire and broke his collarbone. He used his benefit to help cover his out-of-pocket expenses for the surgery, hospital stay and physical therapy.
Marco: Broken ribs
Marco is 30, single, likes to read and enjoys movies. On his way to the bookstore, he was in a car accident and broke two of his ribs. Marco's benefit helped cover the out-of-pocket costs for his ER visit and a car rental while his was in the shop.
For illustrative purposes only. These benefit stories aren’t intended to depict real people.
Popular features in the policyholder portal help you use your benefits
Check on policies and personal info:
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See the status and get a copy of your policy
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Check your premium amount and due date
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Update your billing contact information and make payments
File and receive claims online:
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File or check on the status of a claim
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Set up direct deposit for quicker benefit payments
Employers and HR representatives
Find out more about offering Colonial Life accident insurance for your employees.
Policy forms marketed by the company are too numerous to list in the advertisement, but a list can be provided upon request.