It is simply not possible to forecast an accident. You cannot predict if climbing the ladder to change a light bulb will send you to the emergency room or your next drive to the store will leave you injured. But as all families know, an unexpected accident can throw everyone into a tailspin. Even though you can take steps to prevent accidents from happening, you can ensure you are financially prepared when accidents occur by getting Accident Insurance.

The U-Haul Dealer Benefits Program is pleased to be able to make this important Accident Insurance benefit available to dealers and their employees and families. We have selected Illinois Mutual Insurance Company, a premier provider of life and disability insurance since 1910, to underwrite this coverage because of their excellent claims-paying record and their progressive approach to workplace insurance programs.

Easy Enrollment for Dealer and Employees.

A key feature is our convenient, easy to use online enrollment. It is private and secure so you can review and select the coverage you want and enroll on your own busy schedule.

How this Accident Insurance can benefit you

Accident Insurance¹ offers 24-hour coverage for accidents, injuries and accidental death for eligible employees and family members. This Accident Insurance covers you where medical and disability insurance coverage can't and pays benefits directly to you with quick turnaround on each claim.

This Accident Insurance pays stated dollar benefits for a long list of healthcare services and injuries. You can choose either the Economy plan or the Premium plan to get the level of dollar benefits you want. To see a detailed benefit summary and enroll, click here.

• Ground and air ambulance
• ER treatment
• Initial and follow-up doctor visits
• Major Diagnostic Exams
• Surgeries
• Prosthetics
• Burns, Lacerations, Concussion
• Eye Injury
• Torn knee cartilage, ruptured disc, tendon/ligament/rotator cuff

• Hospital admission and confinement
• ICU
• Transportation
• Family lodging

• Paralysis, Coma
• Accidental death
• Accidental dismemberment
• Dislocations
• Fractures
• Blood/Plasma/Platelets
• Medical equipment
• Physical therapy

While most people carry medical insurance to pay the hospital and doctor, when you are injured you are still financially affected because you are faced with paying deductibles, co-payments and other out-of-pocket expenses. Also, even if you carry disability insurance, many injuries are not serious enough to receive a disability benefit. The average cost of a disabling injury was $52,900, according to the National Safety Council (2005).

After an accident or injury, your Accident Insurance pays a cash benefit directly to you, so that you don't have to suffer financially when you are already suffering physically. The insurer pays you regardless of other coverage you may have, which means there is no coordination of benefits for existing plans.

Your premiums are paid through convenient authorized check, so even if you leave the dealership, you retain full ownership of the policy. The coverage is portable, so you can take it with you when you leave. 

• Affordable premiums
• Choose the Economy or the Premium level of coverage
• Easy to enroll. Guarantee Issue, No medical exams
• Add coverage for your spouse, your children
• Convenient monthly payment by authorized check
• Portable and guaranteed renewal
• Fast claims service

 Optional Benefits

You can further expand your coverage by adding optional benefits to your Accident Insurance...

• Employees age 18 to 69 who are actively at work for a minimum of 20 hours per week.
• Spouses age 18 to 69 are eligible to apply if they are not disabled.
• Dependent children age 14 days to 18 or to age 24 if a full-time student. 

Here are samples of how affordable you will find this Accident Insurance² 

• Economy coverage for Dealer or Employee $12.88
• Premium coverage for Dealer or Employee $24.15

• Off Job Disability rider  

• Wellness Benefit rider for Dealer or Employee $  1.85 

Easy to Enroll for Accident Benefits

As you expect with the U-Haul Dealer Benefit Program, enrollment is easy, right here online at our proprietary benefit website. Dealers and employees are free to use this site at any time.

Your new Accident Insurance coverage is guarantee issue, so it will be effective immediately when you click the submit button on your enrollment. You pick the level of coverage that is right for you and your family. You pick the day of the month for your bank account deductions. Your new Accident Insurance policy will be mailed to you in about one week.  And if you want some help, call the Benefits Center at 888-551-9801 and talk with our experienced benefit staff.

1 Accident Insurance and all coverage riders may not be available in all states. Individuals working in the following industries are not eligible for this Accident Insurance: agricultural production crops; livestock and animal specialists; forestry, logging or sawmills; fishing, hunting, trapping; manufacturing of agriculture chemicals, fertilizers, pesticides, adhesives, explosives; mining or quarrying of metal, coal or nonmetallic minerals; oil and gas extraction.

² Rates vary by state and the level of coverage and riders selected.