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What is accidental death benefit coverage?
An Accidental Death Benefit (ADB or ADD) is an optional coverage that pays for the death expenses of you or a covered family member in the unfortunate event of a covered auto-accident-related death. The benefits are specific and tailored according to your policy terms.Skip to article
Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Accidental death benefit (ADB or ADD) pays for death expenses if, in a covered auto accident, bodily injury causes the death of you or a covered family member. The benefit paid is according to the terms of your specific ADD policy.
Also referred to as accidental death and accidental death indemnity, ADB is not a required car insurance coverage type.
If you are killed in an auto accident without accidental death benefit coverage, your family may have to pay out-of-pocket for your death expenses. If you have other coverage (with auto or life insurance) that will pay out a death benefit, this coverage may be unnecessary.
Personal injury protection (PIP)
If you live in a no-fault state, your Personal Injury Protection (PIP) coverages typically come with a death benefit. For example, the usual PIP policy in Florida has a $5000 death benefit payout. In New York, the normal PIP coverage has a $2,000 death benefit (in addition to the $50,000 basic No-Fault limit), payable to the estate of a person eligible for No-Fault benefits who is killed in a motor vehicle accident.
MedPay
Medical Payments coverage (MedPay), usually optional, may also come with a death benefit or may cover funeral expenses.
If you want to ensure coverage for death resulting from a motor vehicle accident, you should read through your policy and discuss any questions about a death payout with your agent. Also, your state’s insurance regulator can give you information on your state’s laws and which coverages your state insurers can offer, including death benefits for injuries sustained in an auto accident.
— Michelle Megna contributed to this story.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.