Is murder considered an accidental death?

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PostPosted: Mon Dec 29, 2008 12:44 am   Post subject: Is murder considered an accidental death?  

Would murder be considered an accidental death?

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PostPosted: Mon Dec 29, 2008 12:49 am   Post subject:   

Yes, for the person who was killed. Most people don't make plans to be murdered.

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PostPosted: Mon Dec 29, 2008 8:13 am   Post subject:   

Quote:
Most people don't make plans to be murdered.


tcope, so I guess for people who make such plans it is important to know- that if the carrier would have a proof of such plans they won't consider it as 'accidental' anymore. Won't they consider it as a "culpable homicide"?

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PostPosted: Mon Dec 29, 2008 9:43 am   Post subject:   

"culpable homicide" would be suicide and suicide is not considered an accident.



We had a bIzArRe thread not too long ago about accidental death if shot by cops while being served a search warrant. At first I thought it was a made up story but as usual truth is stranger than fiction.



See THIS LINK.



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PostPosted: Mon Dec 29, 2008 2:45 pm   Post subject:   

Murder is of course accidental death...as T said, rarely would it be planned by the decedent



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PostPosted: Mon Dec 29, 2008 10:34 pm   Post subject: insurance  

I remember that story, GARY. It WAS a 'strange one, wasn't it? As I was reading it, it was difficult to decide if the money SHOULD be paid out, or not. Asking myself: WHY did a Warrant have to be placed, etc.? I think I posted a story on THAT SPECIFIC thread. ( To make a long story short: A Soldier came back from overseas. His wife planned out an 'accident' for her husband to be in, to get the Life Insurance. Well..............she 'bragged' about this 'accident' to others. YEP...she was arrested on Murder. NOPE...din't get the Insurance money.

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PostPosted: Tue Dec 30, 2008 5:13 am   Post subject:   

I understand that a murder requires a thorough investigation before disbursing the life insurance death benefits. Now, if by any chance the beneficiary is involved in disposing off the insured, then he/she may be out-of-luck with the benefits. However, if the insured has got killed in a freak accident, no issues, the insurance company will pay the benefits.


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PostPosted: Wed Sep 15, 2010 11:41 pm   Post subject: concerned mother  

Just want to know what would be the best way to insure my son. I can't put my finger on it; but I don't think he'll out live me . He has a rough lifestyle. Will he be covered by accidental insurance if that's all I can afford? Or do I have to find another type and how fast can I get him covered.


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pamela ferrand
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PostPosted: Mon Mar 12, 2012 11:38 pm   Post subject: Murder  

What if a the person insured was murdered because he was beating another person an someone shot him is this still something they would consider accidental death?


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PostPosted: Tue Mar 13, 2012 10:51 am   Post subject:   

An accidental death is one that results from unintended consequences. It could be argued that a person committing (or attempting to commit) a criminal act does not die accidentally.



That's why life insurance is superior to accidental death benefits, because dead is dead, and once a policy is incontestable, it doesn't matter how that person dies. Even the death of a convicted murderer who is executed by lethal injection or any other method, if covered by life insurance, would provide the beneficiary with the policy proceeds.



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PostPosted: Fri Oct 04, 2013 2:22 am   Post subject: Sons Homicide  

As a parent of a recent homicide victim who had both accidental and injury insurance is there any recourse for me to collect anything from the insurance company that carried the policies


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PostPosted: Fri Oct 04, 2013 4:36 am   Post subject:   

Yes, it should be considered accidental death.



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PostPosted: Fri Feb 14, 2014 10:59 pm   Post subject:   

I think it would depend on the company. I have seen companies to weird stuff.

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PostPosted: Tue Feb 18, 2014 2:28 am   Post subject:   

Quote:
I think it would depend on the company.
You obviously don't understand insurance contracts very well. It doesn't depend on the company, it depends on the definition. Accidental death is only an issue in an AD&D policy, and the exclusionary language usually has to do with self-inflicted injuries, suicide, or intoxication by drugs or alcohol. Murder/homicide is never stated as an exclusion in an AD&D policy.


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PostPosted: Tue Feb 18, 2014 2:50 am   Post subject:   

Each company has their own definition MAX! I understand that you are THE ultimate source. Back off, I saw a post here that said. Wow one post and done,we need to get more insurance agents in here. It's people like Max that chase them out feeling belittled. Who wants to participate in a community that has Mr. Knowitall in it. Not every company is going to treat this situation the same way!



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