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What do insurance companies use to determine if a death was accidental?
Wiki User
∙ 12y ago
The Death certificate and MVR (Motor Vehicle Report) can be used to determine if death was accidental.
Wiki User
∙ 12y ago
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What companies offer accidental death insurance?
"There are many different insurance companies out there, such as MetLife and American General, that offer accidental death insurance. The best way to find accidental death insurance is to contact insurance companies that provide life insurance and contact them for the rates and the terms that the insurance will be paid out should an accidental death occur."
What companies provide insurance for accidental death and dismemberment?
There are many companies that provide insurance for accidental death and dismemberment. This includes companies such as American General Life Insurance Company.
Does accidental death insurance pay twice what it is worth?
This insurance pays the face value. There is no other way to determine the worth
What is the difference between accidental death life insurance and regular life insurance?
Usually the only difference between accidental death life insurance and regular life insurance is the name, although sometimes an accidental death life insurance will pay out more money if the death is accidental.
Can the insurance company deny a life insurance claim on a policy that has been held for 20 years if the toxicology reports determine that death was caused by an OD?
If the policy was an accidental death policy, probably. Accidental death usually relates to accidents on common carriers such as a plane, train, automobile,or bus. An OD would not be considered an accidental death.
Where can one get dismemberment insurance for accidental death?
Accidental Death and Dismemberment insurance is often referred to as AD&D. Such insurance policies can be purchased online. State Farm Insurance offers this type of policy.
What is accidental death rider?
A life insurance policy is designed to pay a certain amount of money when the insured person dies. Sometimes the policy can have an additional clause which awards a larger amount of money in the event that the death was accidental. That is to say, if the insured person dies peacefully in bed from heart failure, that is a natural death. If the insured person is hit by a car and killed, that is an accidental death. You might have a policy that pays $50,000 for a natural death, but $200,000 for an accidental death. A possible reason for this kind of arrangement is that when people die a natural death, it is usually at a more advanced age and it is usually not a great surprise. People gradually decline in health before they die, most of the time. Accidental deaths can happen at any time and you may not be as well prepared to cope with them. Insurance companies are also playing the odds. Most deaths are not accidental, so it does not cost insurance companies a lot to sell you an accidental death rider. Chances are, they will never have to make that accidental death payment.
What is accidental death benefit rider?
A life insurance policy is designed to pay a certain amount of money when the insured person dies. Sometimes the policy can have an additional clause which awards a larger amount of money in the event that the death was accidental. That is to say, if the insured person dies peacefully in bed from heart failure, that is a natural death. If the insured person is hit by a car and killed, that is an accidental death. You might have a policy that pays $50,000 for a natural death, but $200,000 for an accidental death. A possible reason for this kind of arrangement is that when people die a natural death, it is usually at a more advanced age and it is usually not a great surprise. People gradually decline in health before they die, most of the time. Accidental deaths can happen at any time and you may not be as well prepared to cope with them. Insurance companies are also playing the odds. Most deaths are not accidental, so it does not cost insurance companies a lot to sell you an accidental death rider. Chances are, they will never have to make that accidental death payment.
Will accidental life insurance pay if you get sick and die?
Accidental Life or commonly known as AD (Accidental Death) Policies will not pay if the cause of death is illness.
What is the difference between accidental death and dismemberment insurance and life insurance?
If I understand it correctly, Accidental Death and Dismembermant Insurance will pay ONLY if you lose a limb or are killed in an accident. Life Insurance pays when you die, regardless of how you die.
Is it a good idea to have accidental death insurance?
Though many consider it necessary to have all types of insurance, it can be costly, and most likely you will never need it. When thinking about buying accidental death insurance, consider the need for it.
Can an 82 year old person get accidental death insurance?
no
