Accident insurance, also known as personal injury insurance, is a type of insurance that provides financial coverage for unexpected and unforeseen accidents that may happen to individuals. It is designed to provide protection against the financial burdens that might arise as a result of an accident. Other synonyms for accident insurance may include personal accident insurance, accidental death and dismemberment insurance, or accidental injury insurance. Whatever the name, the core benefits of the policy remain the same. These policies often cover medical expenses, funeral costs, and may provide a lump sum payment or disability coverage if the individual is unable to work due to injuries.