This is interesting discussion, however the few times that I got involved with an insurance claim I recall a question asking if this was a accident, form the context, it appeared if i answered yes, then the "accident insurance" came involved. I am by no means an expert or for that matter extremely knowledgeable in this area, but my limited understanding is that you may end up holding the bag if you do not have uninsured or under-insured coverage and are relying on your medicare and supplemental insurance.
Just my humble opinion.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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