Accidental coverage, often referred to as Accidental Death and Dismemberment (AD&D) insurance, provides financial support in the event of serious injury or death resulting specifically from an accident. Unlike traditional life insurance, which covers death from most causes, this type of coverage is limited to accidental events.

Depending on the policy, benefits may be paid if an accident results in loss of life, the loss of a limb or other serious injury, or certain accident-related medical expenses. These benefits are typically paid as a lump sum or reimbursed based on the type and severity of the injury.

Accidental coverage can be offered on its own or as a supplement to a primary life insurance policy. While it is not a replacement for life insurance, it can provide an added layer of financial protection for unexpected accidents.