Article 11 of 11 in Understanding Your Car Insurance Policy
Some auto insurance policies have a separate category for car insurance death benefits should you or your spouse die in a car accident. The limits on this coverage are separate from medical payments coverage. Death benefits are paid upon the death of any persons named in the declarations page to the surviving spouse, parents of a minor child, or the estate of the insured individual.
KEEP IN MIND: Death benefits are OPTIONAL, so when shopping for an auto insurance policy, you will be able to choose whether or not you want to pay an additional premium for the additional coverage.
Car Insurance Death Benefits
If your car insurance policy includes automobile death benefits for insured persons, the policy will indicate the nature and extent of your coverage. Typically, car insurance death benefits are paid out if an individual named in the policy dies as a result of an injury sustained while occupying a car in a car accident or by being hit by a car. Car insurance death benefits will usually have a requirement that the death occur within a certain time after the accident, typically 90 days, and that the injured person be disabled from the time of the accident until their death. Car insurance death benefits will only pay out when it is clear the death was a result of an auto accident.
Exclusions: What Is Not Covered by Car Insurance Death Benefits
As with any insurance coverage, car insurance death benefits are not paid out if a specific exclusion applies. Each policy will carry different exclusions to death benefits coverage, so be sure to consult your insurance agent or an insurance attorney with specific questions, and keep a look out for some common exclusions such as:
KEEP IN MIND: The Insurance company can require an autopsy to determine the cause of death falls under you car insurance death coverage. You cannot deny the company this right if you want to receive the insurance benefits. If your insurance company refuses to pay death benefits after an autopsy, and you wish to challenge them, consult an experienced attorney prior to taking action.
Payment of Car Insurance Death Benefits
Your insurance policy will specify who is eligible to receive payment for death benefits. Typically the following are eligible to receive payment:
If you would like to include death benefits into your auto insurance policy, include that information when getting a quote. Click here to visit the Free Advice quote center to start shopping for car insurance today!
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