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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.”

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Penny Gusner
Contributor

 
  

Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s.

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