Personal Accident Insurance.  This coverage pays for medical bills for you and your passengers should you get into an accident.  According to Mr. Thrifty’s research, personal accident insurance coverage typically costs between $1-$5.  While this sounds like a low amount for the peace of mind, it may be overkill.  Most people are sufficiently covered by your health insurance or the medical coverage that you are already paying for.  

Mr. Thrifty only recommends personal accident insurance if you lack adequate health coverage.