What does accidental death insurance cover?

Accidental death insurance typically offers coverage for non-medical death, but this may vary by state. This includes being killed while riding in, driving a, or being struck by a motor vehicle. You'd also be covered if you died as a ticketed passenger on a plane, boat, or bus—or as a passenger in a cab or app-based car service.

Flexible coverage starts at $50,000 and goes up to $1,000,000.

 

Coverage Details

Public Transportation - 100% of Coverage Payout

Covers an insured person who sustains an injury while riding as a fare-paying passenger on a common carrier which results in death within a certain number of days* following the date of the injury. Does not include a person riding as an operator, pilot, or member of the crew. Subject to the policy’s exclusions. 

Auto/pedestrian - 30% of Coverage Payout

Covers an insured person who sustains an injury that does not fall under the “public transportation” coverage of this policy while driving or riding in any private automobile, when struck by any motor vehicle ordinarily operated on public streets and highways, and such injury results in death within a certain number of days* following the date of injury. Subject to the policy’s exclusions.

General accident - 20% of Coverage Payout

Covers an insured person who sustains an injury that does not fall under the "public transportation" or "auto/pedestrian" coverage of this policy exclusions and such accidental bodily injury results in death within a certain number of days* following the date of the accidental bodily injury. Accidental death insurance benefit amount is not determined by common carrier or auto/pedestrian. Subject to the policy’s exclusions.

 

*The number of days varies by state and it is specified in the
customer’s policy.

 

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