Accidents happen when we least expect them, and they often come with huge medical bills. Whether it’s a broken bone, stitches, or a concussion, a simple trip to the emergency room can cost thousands of dollars. Without the right coverage, many families struggle to afford these unexpected expenses.
In this article, we’ll break down the top 10 accidental injuries that send people to the ER or urgent care and what they typically cost. Then, we’ll explore how a local agent at Utah Avenue Insurance can help you find an affordable plan to cover these costs—without paying a massive deductible out-of-pocket.
The Most Common Accidental Injuries & Their Costs
Here are the top 10 accidental injuries that most often send people to the emergency room:
1. Broken Bones (Fractures) - $2,500 to $20,000+
Simple fracture: $2,500 - $5,000
Broken leg requiring surgery: $17,000 - $35,000
2. Concussions & Head Injuries - $800 to $10,000+
Basic ER visit & evaluation: $800 - $3,000
CT scan for head trauma: $1,200 - $3,500
Overnight hospital stay: $10,000+
3. Cuts & Stitches - $500 to $3,000
Minor cut with stitches: $500 - $1,500
Deep laceration requiring surgery: $3,000+
4. Sprains & Strains - $400 to $2,500
Basic sprain treatment & X-ray: $400 - $1,000
MRI & follow-up care: $2,500
5. Dislocated Joints (Shoulder, Elbow, Knee) - $2,000 to $8,000
Relocation procedure: $2,000 - $4,500
Surgery for severe cases: $6,000 - $8,000+
6. Burns - $1,500 to $100,000+
Minor burns & treatment: $1,500 - $3,500
Severe burns requiring hospitalization: $50,000 - $100,000+
7. Dental Injuries (Chipped/Broken Teeth) - $500 to $5,000+
Emergency tooth repair: $500 - $1,500
Dental surgery & implants: $3,000 - $5,000
8. Car Accident Injuries - $3,000 to $100,000+
Minor injuries & ER visit: $3,000 - $10,000
Severe injuries requiring hospitalization: $50,000 - $100,000+
9. Slips, Falls & Hip Injuries - $5,000 to $50,000+
Basic treatment & imaging: $5,000 - $15,000
Hip fracture requiring surgery: $30,000 - $50,000+
10. Sports Injuries (Torn ACL, Shoulder Injuries) - $3,500 to $30,000+
Minor injury & PT: $3,500 - $7,500
ACL or shoulder surgery: $20,000 - $30,000
💰 Most people don’t have thousands of dollars lying around to cover these bills! That’s why having the right health and accident insurance matters.
The Financial Toll of Accidental Injuries
Accidental injuries don’t just cause physical pain—they can also lead to serious financial stress. Consider these statistics:
66.5% of bankruptcies in the U.S. are tied to medical debt.
The average ER visit costs $2,600, but severe injuries requiring hospitalization can exceed $20,000+.
1 in 4 Americans visits the emergency room each year for an injury.
GoFundMe — “Nearly 250,000 campaigns have been set up through the site to help pay for health care costs, raising $650 million in contributions”*
More than 11 million people will take on additional credit-card debt to cover mounting medical bills
The average American doesn't have a $1000 saved to pay for a medical emergency bill.
Without proper coverage, even a simple broken bone can lead to crippling medical bills. That’s why it’s so important to have the right health and supplemental insurance in place.
How Utah Avenue Insurance Can Help You Pay for Accidental Injuries
At Utah Avenue Insurance, we specialize in finding the right health and supplemental accident plans so you don’t get stuck with massive out-of-pocket costs.
Step 1: Get an Affordable Health Plan
Whether you need a Marketplace plan, an employer plan, or a private plan, we’ll help you find one that fits your budget.
✅ Plans available with low deductibles & copays✅ Subsidies may lower your monthly premium✅ Coverage for ER visits, hospital stays, and surgeries
Step 2: Add an Accident Plan to Cover High Deductibles
Even with great health insurance, most Bronze plans have a deductible over $9,000. That’s why we recommend adding a supplemental accident plan that pays you cash to cover medical bills when you get injured.
✔ Covers ER visits, X-rays, surgeries, and more
✔ Pays benefits directly to you (not the hospital)
✔ Can be used for lost wages, bills, or anything you need
Example: If you break your leg and owe $9,200 in out-of-pocket costs, a $10,000 accident plan could cover the entire amount!
Step 3: Get Personalized Help From a Local Agent
When you work with Utah Avenue Insurance, you don’t have to navigate these options alone. We help you pick the best plan, file claims for accident payouts, and make sure you get paid fast!
Don’t Wait Until an Accident Happens—Get Covered Today!
🔹 Health insurance that fits your budget🔹 Accident plans that cover high out-of-pocket costs🔹 Expert guidance from a local Utah agent
💬 Talk to a local agent today! 📞 Call us or visit Utah Avenue Insurance to get started.
💙 Better coverage starts here! #UtahHealthInsurance #AccidentInsurance #HealthInsurance #LocalHealthInsuranceAgent
