Posted by Issued by the Irvine City Police Department on October 10Latest media announcement, In the case of a collision between two vehicles in the Irvine urban area that resulted in the death of a Chinese resident Kyu Chen (Kyu Chen, transliteration), the Orange County District Prosecutor’s Office will say "Murder chargeSued Diaz (Transliteration), the perpetrator of the car accident.If convicted, the perpetrator faces up to 15 years in prison.
Car accident review
At 2021:9 in the morning of September 27, 4, a Toyota Prius and a Benz crashed at the intersection of Sand Canyon and Irvine Center Drive. .
At the time of the incident, 61-year-old Chen Qiao was on his way to work. When passing through an intersection, he collided with the defendant's vehicle running through a red light.Chen Qiao subsequently died of his injuries. Diaz, the 21-year-old perpetrator who was also a resident of Irvine, was detained on suspicion of driving under the influence of drugs.
Car accident case triggers sharp claims questions
T.L.T.(TheLifeTank.com,American Life Insurance Guide) The community expresses condolences for the unfortunate experience of the Chen family and sincerely hopes that the family will have the courage and confidence to tide over this difficulty.
At the same time, this traffic accident subsequently triggered discussions in the TLT community. If someone dies in a traffic accident, will the life insurance company pay for the death of this traffic accident?
And another more acute question is,If the insured person died in a car accident and the police ruled that the insured party was at fault in the car accident, will the life insurance company settle the claim?
With these issues of public concern,T.L.T.Interviewed the insurance consultant of HummingLife in North America Heather xiong, Brought a record of Q&A.
Q1. Will the life insurance company settle the claim if the death occurs in a car accident?
Heather: I will settle the claim.The loss of life is irreversible, but life insurance company claims can reduce the financial impact on other members of the family due to the death of the victim, and prevent the victim’s family from falling into financial difficulties again.This is the most basic function since the emergence of life insurance.
Life insurance claims provide a completely tax-free income for the victim’s family, which can be freely used by family members to pay for expenses such as daily living expenses, housing loans, and children’s education expenses.
2. In the event of a car accident and death, the police judge that the deceased party was at fault, will the life insurance company settle the claim?
Heather: Settlement of claims, but the given conditions must be met.
Specifically, if the insured dies in a traffic accident and is subsequently determined to be at fault by the police, the life insurance company must first determine whether the insured is still in the life insurance contractNon-contestable periodperiod.
如果The insured who was found to be non-murder (for example, the beneficiary was suspected of causing the accident, or participated in it), and as the insured party at fault, has been insured for longer than the non-contestable period (usually two years), The life insurance company shall provide compensation for its death. (End of full text)
(>>>Related reading:Will American Life Insurance not compensate? ｜What is the use of the "non-contestable clause" of life insurance for me?）
