No one wants to think about the possibility of losing a loved one due to an automobile accident. However, the gruesome statistics speak for themselves - approximately 115 people each day lose their lives to automobile accidents. Over 40,000 people in the United States will pass away due to their involvement in an automobile crash this year. It is clear that, while we are adding more and more cars to our average household count, we are not becoming better drivers. While it is tempting to play ostrich and stick your head in the sand when it comes to this emotional issue, it is important to know your policy and understand what you and your family are entitled to in the event of a fatal auto collision. If you or a member of your family spends quite a bit of time on the road, having a thorough understanding of what your policy does and doesn't cover is even more important.
When gathering car insurance quotes, be sure to ask each agent you talk with about how their policy works in the event a car crash is fatal. Also be sure to ask about covered funeral benefits. Many insurance companies provide two different levels of coverage - fault based coverage and no-fault based coverage. Availability of, and coverage amounts for each, may vary from state to state, so be sure to check with your home state to determine accurate information. With no-fault coverage, coverage amounts may be limited by the type of accident or specific details of the incident, so be sure to thoroughly understand this type of policy before concluding that it offers adequate protection to you and your family. If you live in a no-fault state where coverage amounts are limited, you may want to consider adding uninsured motorist coverage in the event that an accident is not your fault and the other driver does not have insurance.
For fault insurance, you and your family will be covered regardless of who is at fault, up to and including funeral benefits. These benefits cover all of the costs of the medical expenses, death expenses, and funeral expenses. Some states also mandate that funeral expenses that exceed normal policy coverage limits must still be compensated for. Due to the extremely high costs of funeral and burial expenses, it is important to thoroughly understand all of your policy coverage levels prior to accepting one of the car insurance quotes you have obtained. A few moments of extra preparation and precautions now will be well worth it to save your family from having to navigate confusing insurance questions alongside the emotional devastation of losing a loved on in an auto accident.