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With car insurance, accidental death benefits (ADB) coverage pays a modest death benefit in the event of a fatal car accident. Even with its low payout, it can take some financial pressure off your family — and many companies offer it as a free perk included with your policy. This coverage is sometimes called automobile death indemnity coverage.
Depending on the state you live in, ADBs can be a lump sum payment for:
Accidental death benefits coverage can keep your loved ones from paying out of pocket for end-of-life expenses. For reference, the average funeral costs over $6,700. However, adding this car insurance coverage works best if you don’t qualify for life insurance, need a cheaper life insurance option or can find it as a free perk.
Otherwise, life insurance or accidental death and dismemberment insurance typically offers a higher payout and can apply to more situations than a fatal car accident.
You could also get coverage for medical bills by adding personal injury protection or medical payments coverage to your car insurance policy.
The steps to make an accidental death benefit claim will vary by insurance company, but this is the general process.
Certain circumstances may cause an accident to be excluded from coverage. Some common exclusions to this coverage include:
This coverage is usually offered as a free perk or add-on to your existing insurance policy. Compare the overall costs and benefits of companies with death benefits and choose Get quotes to see your customized rate.
Accidental death benefit coverage can offer real peace of mind to road warriors and other drivers who spend a lot of time in their cars. But it’s important to make sure you’re not duplicating coverage that already exists in your insurance policy.
As always, take the time to research your options and compare insurance policies before you decide.
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