Accident Insurance pays for medical bills of injured participants. This policy assures that your kids and volunteers will receive the type of medical treatment that they deserve. The threat of a lawsuit being filed by an injured kid is minimized if his medical bills are covered by Accident Insurance. Many people don’t have medical insurance; in fact, 10% of kids have no form of medical insurance. Figures vary widely among, though Florida and Texas have significantly higher rates of uninsured kids. Increasing Medicaid enrollments and the Affordable Health Care Act have cut down on the number of uninsured but created a new problem. Rising health insurance costs have resulted in higher deductibles and coinsurance than in the past, which results in more out-of-pocket expenses on moderate injuries. The end result is that unpaid medical bills attract lawyers who file lawsuits.