Student Accident Insurance

ACC Student Accident Insurance is secondary insurance that helps pay for covered medical expenses when a registered student is injured during an ACC-covered activity, such as on an ACC campus, during class-related activities, or while participating in a College-sponsored event.

All registered students are covered, except for some Corporate Solutions classes and Business Assessment Center clients.

ACC Student Accident Insurance helps pay for covered medical expenses when a registered student is injured during an ACC-covered activity, such as on an ACC campus, during class-related activities, or while participating in a College-sponsored event.

The policy provides up to $25,000 per covered accident or claim, with a $25 deductible per claim. The insurance pays covered medical expenses based on reasonable and customary charges, which may vary by treatment, procedure, and provider location. Students may be responsible for charges that exceed the insurance company’s reasonable and customary reimbursement amount, as well as any costs not covered by the policy.

This coverage is intended to help with accident-related medical costs, but it is not a substitute for personal health insurance. Students are encouraged to maintain personal health insurance, especially when participating in higher-risk coursework or activities such as welding, nursing, automotive technology, building trades, fire academy, HVAC, laboratory work, clinical programs, or similar hands-on instructional environments.

If a student has personal health insurance, that coverage may also be involved in the billing or claim process. If a student does not have personal health insurance, ACC Student Accident Insurance may still provide benefits for covered accident-related expenses, subject to the policy limits, deductible, reasonable and customary reimbursement rules, and any other policy requirements.

Students remain responsible for their medical bills. Billing is handled between the student and the medical provider, and students are responsible for working directly with the provider and the insurance company to complete the claim process. ACC Risk & Fleet Management provides student accident claim information but does not make medical, billing, or claim-payment decisions. Please see our Personal Health Insurance for Students webpage for information on finding Health Insurance.

There is no network of medical providers; students are free to choose their doctor or another provider. Medical providers do not have to accept the Student Accident Insurance since there is no network with this insurance program. Students are required to obtain itemized bills that include the diagnosis and treatment codes for submission with the claims forms.

Claim forms are available on the ACC Forms Inventory database. Claim forms are processed through the Risk Management and Transportation Office for certification that the claimant is a registered student. Claims are paid by the insurance company, not by ACC. The policy number and other school information are left off the claims form as a security measure, so only registered students who have paid the insurance fee will submit claims.

We strive to keep your personal information protected in accordance with HIPAA guidelines.