Accidents don’t come with a warning—and when they happen, they can hit both your health and your wallet hard. Whether it’s a bike crash in Tempe , a fall on a hiking trail near Tucson , or a slip while cooking at home in Chandler , you want to be ready for life’s surprises. That’s where accident insurance steps in.

Accident insurance is a supplemental policy designed to provide lump-sum cash payouts when you suffer an injury due to an accident. This money goes directly to you, not a hospital or clinic, and can be used however you need—whether that’s for medical bills , groceries, rent, or even childcare.

It’s the extra layer of financial protection that helps when your primary health insurance doesn’t quite cover everything.

Accident insurance typically covers a wide range of injuries and services, including:

Broken bones Dislocations Burns and cuts Concussions Emergency room visits Hospital stays Physical therapy Accidental death or dismemberment

Even if your health insurance kicks in, accident insurance helps fill the gap—especially if you have a high deductible or co-insurance costs.

This type of policy is a great fit for:

Active families with children Self-employed workers without paid time off People with high-deductible health plans Outdoor enthusiasts and athletes Workers in physically demanding jobs

Arizona is full of activity—from biking in Scottsdale to hiking in Phoenix —and injuries are more common than you think. Accident insurance helps ensure those mishaps don’t become financial setbacks.

Let’s say you slip while walking your dog and fracture your ankle. Your health insurance may cover part of the treatment—but you’re still responsible for your deductible, follow-up care, and missed work. Accident insurance can provide a cash benefit to help cover all those extra costs—without dipping into your savings.

At Riseson Insurance in Tempe, we know how important it is to protect yourself and your family. Whether you live in Phoenix, Scottsdale, Tucson, Gilbert , Chandler, or Tempe, we can help you find a plan that fits your lifestyle and budget.

We work with reputable carriers and will walk you through the process—answering your questions and finding the coverage that makes sense for you.

If an accident happened today, would you be financially prepared? If the answer is “not really,” let’s talk. Reach out to Riseson Insurance in Tempe at 602-460-5470 to get a quote.

What Is Accident Insurance?

What Does Accident Insurance Cover?

Who Should Consider Accident Insurance?

Real-Life Scenario

Local Advantage with Riseson Insurance

Don’t Wait for the Unexpected

• Broken bones
• Dislocations
• Burns and cuts
• Concussions
• Emergency room visits
• Hospital stays
• Physical therapy
• Accidental death or dismemberment

• Active families with children
• Self-employed workers without paid time off
• People with high-deductible health plans
• Outdoor enthusiasts and athletes
• Workers in physically demanding jobs