Can an insurance company be held liable to pay compensation for the death of the insured’s son in an accident?



A is the son of B who owns a car which is insured for third party claims. While driving the car, A meets with an accident and dies. Can a third party claim for compensation for the death of A can be made against the insurance company. If yes, who has to file a case? Will any liability be attacted for the insurance company?

Can an insurance company be held liable to pay compensation for the death of the insured’s son in an accident?
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4 Replies to “Can an insurance company be held liable to pay compensation for the death of the insured’s son in an accident?”

  1. In what country? Generally, the at-fault party (not the insurer) is the party that is “liable.” The insurer will cover the insured party’s liability costs per the policy coverage limits.


  2. Dear sr, the Insurance companies sell you a policy with different provisions. Generally seen the situation given by you is not admissible. But it will be better to read the provisions of the Policy or consult some good agent or go directly to the Insurance office and they may guide you proper.
    There have been instances when the company has accepted some risks as per the wishes of the client. Of course the premiums must have been astronomical.


  3. Hi,

    That will depend on the kind of insurance plan B had opted for. If it has a clause that covers accidental death while driving the car, then maybe you can get the insurance amount. But then, the person driving the car was not the primary insuree and death by accident also falls under a different category of insurance like Life Insurance or Accidental Cover.

    Insurance companies like Bajaj Allianz or Future Generali would not comply to such demands as a common practice.

    The solution would be to consult your insurance company.






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