I would look at buying generic data for this intially and cold calling to ask about accidents in the last x months. Therefore any lead source would be ok as long as it was compliant and checked against TPS.
You could look at maybe leadx who provide access to insurance related data so that could be a good start.
Buying data of people who have had accidents is going to be tough, so try to find a work around for it - e.g. find an outbound telemarkting company who are willing to add a question into their script about accidents and if the customer is interested in trying to claim, they can then sell you that data on a weekly basis as hot leads maybe even with a guaranteed call-back time.
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