when a person is dies, is his car insurance still in effect?
539869
Yes. The policy is in effect until it expires, the probate judge discharges the insurer, or proof of death and supplemental insurance is obtained by the insurance company.
516404
In life insurance policies, beneficiaries are usually listed in them to see who gets them. Life insurance companies usually distribute it evenly between beneficiaries. So you may still have your fair portion of the death benefit sitting with the insurance company.\n\nIf you are the owner of the life policy, you have the right to view it and see how much cash value is sitting in there. Your sister should not have it since it does not belong to her. You may obtain a court order to take it from her OR you can call the insurance company to find out how much cash value you have in there. There are two things you can do to access your cash value: 1) You can borrow it and pay it back later with interests 2) You can surrender your policy and take all the cash value (surrender charges may apply). Please note: If no one has been paying for your life insurance, it may have already lapse and you are probably not covered anymore. (life insurance are never paid up. Something must keep it enforce, so the insurance company will usually access your cash value to pay it until it hits zero).\n\nTo obtain a copy of your dad's life policy, he should have it somewhere in the home. If you can't find it, then you should call the life insurance company and ask your questions.\n\nIn any case, it is best that you get a lawyer since this is a family issue.
977422
3 ways:\n\n1) You can try to find his life policy in the place where he lives\n2) It is highly unlikely that you are the named beneficiary since most insurance companies don't allow "friends" to be a beneficiary. It is usually relative or a family member that is the beneficiary. So, its not worth looking into it.\n3) If you know what life insurance company he got his policy from, call them up.
570819
That would depend on the policy you have and that may vary by company. I work for a large insurance company, and our policy pays for funeral expenses. I think that is what all policies are required to pay for. This is not really a deathe benefit, but it will cover the cost of the funeral up to your policy limits. Therefore, no beneficiary is named since the insurance company would deal directly with the funeral home that the family chooses to handle the funeral.
141344
It depends on the insurance company and the plan that you are on.  You need to check with your insurance company.
349759
You may need to contact an attorney to assist you get more information from the insurance company. You may be able to collect, but only through satisfaction of the deceased or beneficiary(ies) wills or local intestacy law. If the money have been paid by the Insurance Company to the State "Unclaimed Property" fund, the rightful person(s) may petition the state for the release of the fund.
948256
If it's not a life insurance policy, then the policy holder is the "named insured" on the declarations page.    That is the person who bought the policy, and the person who is covered.\n\nIf it's life insurance, it's the person who BOUGHT the policy, not necessarily the insured, or the beneficiary.
159331
depends on a few factors. legally, an insurance company has up to two years past the point that your policy is issued to rescind (cancel) your policy, but only for specific circumstances. Most likely they will do an investigation to see whether or not you had pre-existing conditions and had a hunch that you had a terminal illness, and just waited to go to the doctor after you were approved. Honestly, it's going to be tough to win this one, but good luck and best wishes.
148411
First, ask your aunt if she has any idea of the company or even the person he spoke to about the life insurance policy. Also ask if she knows if he knew any insurance agents on a personal level. If you can't find it then start calling the Customer Service Departments of insurance companies in your state (if that's where he lived too). Tell them you are the Beneficiary on the policy and the Policy Owner is your father and now deceased.\nGood luck!
344372
Call the company that issued the policy.  They will send you a package with the company forms that need to be completed in order to get paid.\n\nYou will need:\n1. the policy\n2. the death certificate - ask the funeral home to provide.\n3. the insurance company forms.\n\nOnce complete, they will review and if straightforward, the insurance companies usually issue you a checkbook that is good up to the amount of the policy proceeds.  You can keep the money in this account and write checks when you need them or write one big check to yourself and deposit in your own accounts.
1531
Ask the minister. It varies. Some churches do not charge if the person who died was a member.
1030095
Its on your criminal record for life. As for your car insurance? Mine is 3 years.  Some places are different. The lowest I found was 3 years.
552798
To find out who gets the life insurance proceeds, you must look at your husband's policy. The beneficiaries are usually listed near the end of the policy.\n\nIf no beneficiary are listed, then death proceeds will be sent to his estate and from there on, the court will rule who gets what (unless your husband has written a Will).
519626
Well, if you are talking about life insurance, after 2 years you can commit suicide and they'll have to honor the policy and pay out the death benefit.  Before that however, they're off the hook and just have to give back any cash value that may have built up in the policy.\n\nI don't know of any health insurance in the US that will pay for doctor-assisted suicide (even in a foreign country), but it's possible that people who have received prescriptions for lethal doses of medications or who just hoarde their medications until they have enough to kill themselves would be able to collect any prescrition drug benefits and doctor visit co-pays.\n\nIf you mean insurance for the person assisting in the suicide, you may have malpractice insurance cover the cost of a family's lawsuit if you are a doctor/nurse/healthcare provider and pretend to have had no knowledge that your actions would lead to your patient's death.\n\nAlternately if you are assisting in the suicide and you mean you need insurance to cover your or your family's living expenses while you are in jail for murder, I doubt there is any.\n\nOr if you are assisting and are worried about being sued for every dime you have, it's possible that an umbrella policy would cover you if for instance, the person died on your property or you killed that person by running him over. But you'll want to read the fine print before you do that...
1090567
Yes, you could, if you made sure you weren't breaking local and state fire laws, air pollution laws, took responsibility for the remains (which are still yours, and thus your responsibility), and didn't break any laws regarding the proper disposal of automobiles or toxic substances.  In addition, you can't use your insurance, as this would be fraud (you torched it).\n\nThere may be other laws to consider, but you could always donate it, even to a movie maker for destruction by fire!
258468
30-60 days from filing claim if no surprises.\n\nCall the company for the death claim forms..They will then send you a package with the forms that need to be completed.  They will require the death certificate.  You can get this from the funeral home.  Once you submit it in, they will review the claim and pay it.\n\nIf the policy is 2 years old or less it may take a little longer as policies are contestable for 2 years.  In addition if the circumstances of death were unusual it may take longer as well.
1013464
The general answer is, "a reasonable period of time".  It can vary depending on the circumstances - if someone just goes missing, I believe it takes years before they can be declared legally dead.    I'd contact the insurance company as soon as you can locate it.  Regarding the bank account, as soon as probate court approveds the will, or appoints an executor, you'll have access to teh account.\n\n\nThere are no fees associated with an insurance claim.  Going through probate court, filing the will, and/or having an executor appointed WILL cost something, and if the court appoints an executor, they're allowed to charge for their services.