As far as accidental death insurance is concerned, would murder be considered accidental death?
by 
F Dubya
ANSWERS: 4
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I can imagine almost anything being written into an insurance policy... To be certain, you would have to read the entire policy to see what is covered. I am not aware of anyone who would consider murder an accident... that is not what the word means. If death is accidental we use different words - like "accident," "man-slaughter" or "negligent homicide." It is possible that an accidental death policy would cover death by criminal intent, but I would not expect or assume it.
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I worked at an insurance company for five years in "Life" Claims. To answer your question: First, depends on the type of policy. Most states require insurance companies to define accidental death. Second, depends on the actual cause of death. Third, depends on the claim processor.
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I would not think so. accidental means just that, accidental. meaning a death caused by any other cause than an intentional act. murder is not an accidental incident. murder is an intentional act, with or without malice, committed by one person against another.
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What is an accident? From an insured persons point of view, it is some thing unexpected, like car accident; accidental injury; even slip in the bathroom causing fracture, etc. A murder, whether intentional or unintentional would fall in the same category. So it should fall within the category of accident, unless specifically excluded. Binoy Gupta
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