Will insurance companies pay accidental death insurance if the person who was killed in the accident had illegal drugs on them even though he was not at fault?

Answer 1

The best answer to this is call and ask the claims department. Usually the only exclusion would be: Is the person committing a felony at the time of their death?" Accident policies have many exclusions so read your policy carefully!

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Wow, that's a good question. I wonder if the drugs on them contributed to the accident, then possibly not. If there's a court case on this, they may have to wait until the verdict.

I don't know, but I would think if the person got in an innocent accident that was covered (say if a plane crash was covered) and the accident had absolutely nothing to do with their contraband (say it was a commercial airline and they were merely sitting in their seat like 200 other people), that it would be covered. I would think.

I hope somebody else comes along with a better answer. If you know and trust your insurance agent, they might be a good source to go to. Even better, a lawyer versed in life insurance, if you have the money.

If you don't mind possibly tying up the proceeds, perhaps the best place to go would be the insurance company itself. They should have a Death Claims department to answer questions.

You also need to obtain the ceritifed Death Certificate (or even several official copies) to send into them, probably along with a claim form they will provide you with.

I wish you good luck, and a better answer.