no, do not buy accident insurance. These are usually supplementary, and very limited.
What I would do is buy a high deductible policy -- say $5000. You may not have an accident, but you could develop cancer. A high deductible policy will serve you much better in the case of a catastrophic loss.
For guidence in your area, speak to your local BC/BS or to an independent insurance agent, as most good health policies are not sold through the stae farms/allstates.
Dan
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Emergency only insurance?? 
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