Being from Canada, you would ask this. Is your motive just to keep bashing American Society as a whole, or is it out of the goodness of your heart?

Sad fact is, it happens all the time. I see people go bankrupt mainly because of cancer though, I'm clueless on your question on accident coverage thru medical insurance. You can get separate accident insurance policies though. I used to sell them to farmers over 15 years ago. Pay out a small amount every six months regardless of your health. If you get hurt and fill the claim out properly, you get a big cash reward for your down time.