Do You Have Questions About an Accidental Death?
Nearly 3,000 people are killed in traffic accidents on
California roadways each year.
Every one of those victims left behind loved ones who cared
about them. Many may have left behind a spouse and children who
were financially dependent on them. While continuing to mourn
the loss of their loved ones, their families are facing an
Losing someone you love, regardless of how your loved one died,
is never easy. But when their loss was an accidental death
caused by someone else's negligence, it can make the loss even
more difficult to comprehend. It also can create a sudden
hardship for a family who has to plan a funeral while trying to
be actively involved with any criminal charges and accidental
death settlements that may follow in the weeks or even years
What do you do if a loved one is a victim of accidental death?
You will need many copies of your loved one's death certificate
in order to do everything from accessing bank accounts to
canceling cell phone services or gym memberships.
If your spouse or family member dies, you'll need to find out
where his or her important papers are located to find out if
there are any life insurance policies. Many people keep these
important documents in a home safe, a filing cabinet or in a
safety deposit box at a local bank or credit union. If you know
your spouse or family member did own a policy but you can't find
it, look through bank statements to see if checks were written
out to a specific insurance agency and try to contact the
insurance agent. Life insurance polices are not paid
automatically so you'll need to do some research if the
information isn't readily available.
Your loved one also may have a life insurance policy through an
employer or a group policy through a bank or a professional
organization. An accidental death and dismemberment insurance
policy provides a pay out to you if you lose a limb or to your
beneficiaries if you suffer an accidental death. There are
exclusions so you will need to read your loved one's policy.
There also are travel, credit and mortgage insurance policies
that your loved one may hold.
It is up to you, if you are a beneficiary, to notify the
insurance company or agent in order to file an accidental death
claim. If there are any other beneficiaries, they also must sign
the claim form. You'll also have to fill out IRS Form W-9, which
allows the insurance company to notify the IRS that it has paid
An accidental death claim can take a shorter amount of time if
your paperwork is filled out properly. You will need to also
submit a death certificate.
The insurance company can contest or even deny the claim for up
to two years after an accidental death if they believe there has
been fraud committed or incorrect information provided on the
You could receive the life insurance proceeds as a large cash
payment or as a settlement, which may have other options for
If you believe your accidental death claim is not being handled
properly by the insurance company or feel you are being given an
unfair settlement, contact King Aminpour & Associates to set up
a free consultation with one of our experienced personal injury
lawyers. Let us take care of the legalities involved with your
accidental death claim while you focus on healing after losing
someone you love.
King Aminpour & Associates Attorneys At Law - Personal Injury
317 Ash Street,
San Diego, California 92101