Will an insurance policy’s accidental death benefit cover expenses after a San Diego car crash?
California – May 5, 2021
A driver lost control of his Mitsubishi Galant for unknown reasons while heading west on East Valley Parkway leading to the fatal injury of the 77-year-old motorist in a solo car crash in an Escondido commercial district. The car crashed into a palm tree, struck two metal poles and overturned in a restaurant’s outdoor food-service enclosure. Paramedics took the driver to Palomar Medical Center, where he was pronounced dead. When accidental death is the outcome of a solo car accident, an accident attorney may be able to help families recover necessary damage compensation.
Accidental death benefit.
The accidental death benefit (ADB) of an automobile insurance policy pays for death expenses if, in a covered auto accident, bodily injury causes the death of the policyholder, or a covered family member. The benefit paid is according to the terms of the specific ADB policy. If motorists suffer fatal injury in a car accident and they do not have accidental death benefit coverage, the family will bear the expensive costs of funeral and burial arrangements. When individuals have other car, or life insurance that pays death benefits, this coverage may not be required.
Single vehicle rollover crashes often result in significant bodily harm, property damage, and fatal injury for many motorists, requiring investigations to reveal the cause. Automobile insurance policies that have an accidental death benefit rider, will enable surviving loved ones to access monies to pay for medical treatment and funeral expenses while awaiting the investigation outcome to determine if some outside force played a negligent role in the accident. A car accident attorney can review the policy’s accidental death benefit rider and check the personal injury protection coverage (PIP) to ascertain what costs will be covered by insurance.
Fault state.
If the accident investigation reveals that negligence of another caused the accident, a personal injury attorney can speak with insurance carriers and initiate civil action when it is necessary to recover damages for surviving loved ones. Blatant negligent acts in the State of California may have added to the over 3,600 lives lost to accidents in 2019, resulting in criminal and civil lawsuits. California is a “fault” state with regard to accidents, meaning that a victim can bring a claim against the responsible party before they file a claim against their own “no-fault” insurance, and there is a two year time period to file a suit after an accident.
Hire an attorney.
A California accident attorney can guide actions after a car accident results in an untimely death to ensure future financial stability for dependents of the person who died. They can work with insurance companies to expediently pay costs related to funeral and burial expenses, and address losses sustained to property, medical bills, lost wages, or future expenses incurred by the estate of the person who died. The Law Offices of Jeffrey E. Estes & Associates can assist surviving loved ones with insurance claims after a fatal injury caused by a single car rollover crash.
Jeffrey E. Estes & Associates, a Professional Law Corporation
501 West Broadway, Suite 1650
San Diego, CA 92101
Phone: 619-233-8021
Fax: 619-233-3730
Sources:
https://www.iihs.org/topics/fatality-statistics/detail/state-by-state
https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=VEH§ionNum=20001
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