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Accidents are the fourth leading cause of death in the U.S. Accidental Death and Dismemberment (AD&D) coverage gives you peace of mind knowing you and your family will be taken care of in the event of accidental death or injury that results from an auto accident.
What is AD&D Coverage?
Some people refer to AD&D coverage as AD&D insurance or accidental death and dismemberment insurance, but it’s not insurance; an accidental death and dismemberment plan pays benefits to the beneficiary if you are seriously injured or killed in an accident. With accidental death and dismemberment coverage, you and your family are protected from the unforeseen financial hardship of an auto accident that causes death, dismemberment, paralysis, or loss of sight, speech, or hearing. An AD&D plan provides worldwide coverage for you and your enrolled family members.
Types of AD&D Policies
Below are the different types of AD&D policies:
- Enrollee Only: Covers only you
- Enrollee + Family: Covers you, your spouse/domestic partner and your children
- Modified Family: Covers you and your children
How Does AD&D Coverage Work?
If you’re in an auto accident that results in death, your AD&D benefits will be paid in one lump sum to your beneficiary after the claim is processed. There are no installment payments and your family gets all the money a once—just when they need it most. If you are in an accident that results in a serious injury that is covered under an AD&D policy, you’ll receive “living benefits” that are also paid in one lump sum. The amount paid to you as a living benefit is not deducted from your policy’s face amount, which remains in effect to cover future injuries.
Freeway Insurance AD&D Coverage
Getting AD&D coverage is fast and easy with Freeway:
✓ Simple application process (no medical exam required)
✓ No waiting period (fast processing and quick coverage)
✓ Guaranteed approval
AD&D coverage from Freeway Insurance are affordable costing just $50 for a six month plan, and $90 for a 12 month plan.
How Do I Get AD&D Coverage?
Have questions? See our AD&D FAQs.
Did you know we also offer life insurance?
*AD&D coverage is not available in New York or Vermont.