In the city of San Luis Obispo, an accidental death benefit rider can be placed on a life insurance policy by any customer who chooses to do so. This clause connected to an insurance policy is an amount that is paid in addition to the policy’s standard benefits in the event that the insured person dies of accidental causes.
In some cases, the accidental death benefit clause extends for up to one year from the date of the death of the insured or after the incident that caused the death occurred. This is only when that accident directly caused the death of the insured person.
Some people may question what an accidental death is. These are fatalities that are caused, as the term says, an accident. The insured may have died as a result of an injury sustained at work or because of injuries sustained in a vehicle accident. In other words, the insured person did not die of natural causes. In most cases, an accidental death benefit will exclude acts of war or deaths that are caused by the participation in illegal activities. If the insured participates in activities or hobbies that are generally considered hazardous, including some occupations, those are normally included in the list of exclusions as well.
If a person has questions after the accidental death of a loved one, they should contact an attorney experienced in accidental death benefits. An attorney can provide information with regards to dealing with insurance companies and the person or people found to be at fault in the incident.