Needless to say, the topic of fatal car crashes is one that most Tennesseans would rather avoid. When such a tragic event happens, many families are left with the overwhelming financial burden of covering expensive funeral costs. Much talk revolves around the question of whether life insurance covers a death that happens as a result of a car accident. While life insurance covers deaths in most cases, it is crucial to know the details in the case of a fatal crash.  

Many might assume that car insurance covers costs from a fatal accident, but Nasdaq makes clear in an article on insurance that this is not the case. Even though car insurance provides cushion for taking care of the car and for helping families with funeral costs, Nasdaq points out that this type of insurance does little else. Of course, the amount of coverage depends entirely upon what type of insurance a person has, and some types do not always supply families with funeral support. For instance, liability coverage only assists families with funeral costs if another driver with liability coverage caused the death. Accidental death benefits can also help families tremendously if a family member dies from bodily injury causes.

Pocket Sense, a website that supplies personal financial resources, confirms that life insurance policies will make a claim in the case of a fatal car accident. However, the fine print of some policies could alter that coverage. Pocket Sense also explains that there are two types of life insurance: term life insurance and permanent life insurance. Term life insurance may assist drivers temporarily, but permanent life insurance is beneficial in the long run. In addition to these details, there are also differences between life insurance death benefits and accidental death benefits when it comes to coverage.