If i were to die in a wreck without a seatbelt, could my insurance company deny paying my family life insuranc

Question

a friend of mine got killed in a car wreck and his spouse is worried that she won't get payment from his life insurance because he was'nt wearing his seatbelt. They have small children and i told her that as long as he didn't commit suicide,she should get payment but i dont want to offer false assurance because i am not sure.

Answer 1

I hope her insurance company isn't The Hartford, because they'll cheat you any way they can.

Answer 2

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Answer 3

Let's face it most insurance companies are pretty shady and never want to pay, so I would think that if they could have any kind of evidence showing that he may have survived had he worn a seatbelt they could possibly deny the claim.  Since although he was not at fault for the accident he was still technically acting in an irresponsible manner.

Answer 4

If the he died beyond the contestability period (2 years from the policy date in most states), this should be a matter of simply filing the claim form and sending in a death certificate.  

If he died during the contestability period, she should expect the insurance company to do some investigation to see if there were any misrepresentations when he applied or if suicide was involved.  This is at their discretion and some companies do not think they need to investigate all situations.  Acquiring medical records would delay this more than anything else in my experience.  Doctor's offices should be encouraged to release the information as quickly as reasonable under the circumstances.

Sorry for your loss, and I hope more people learn to wear their seatbelt as a habit.

Answer 5

I can't believe the answers you are getting. There is no way that a life insurance settlement would be denied based merely on the fact that a seat belt was not used. Negligence on the part of the policyholder does not invalidate the policy.

Answer 6

If you're not sure, better keep your mouth shut.