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Q

If my husband died in a car accident in which he was driving under the influence of alcohol, could my life insurance company refuse to pay me?

A

A standard life insurance policy typically covers any cause of death, excluding a suicide within two years of the policy’s issue date. 

However, driving under the influence of alcohol could affect a claim under and accidental death and dismemberment (AD&D) policy.  Accidental death insurance, as well as long term and short term disability policies, normally have an exclusion that states that an injury or death “resulting from a motor vehicle accident caused by operating the vehicle while you are under the influence of alcohol is not covered.”

Last updated: Nov. 25, 2014
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Ask the Insurance Expert
Penny Gusner Consumer Analyst
Penny Gusner has been working in the insurance business for more than 10 years. She researches your questions, from the routine to the bizarre, with equal enthusiasm. Read More

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