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Why Insurance claims of accidental deaths caused by drunk and drive are denied?

vector image of drunk and drive accidental death

I was having an interesting chat with one of the Corporate HR Leaders yesterday.

His question was: “Why in Accidental Deaths, if the person died is found drunken driving, he is denied the insurance claim ”

He continued “the proceeds of the claim are meant for his family members. Why punish family members for the mistake done by him”

On Humanitarian grounds, this reasoning looks very justified.

But the truth is that we are all expected to insure others in many parts of life.

In this case, the person was expected to drive safely to ensure other people on the road.

This is common sense and the law.

He has broken his part of the insurance contract.

Imagine, if the insurance claim is given for this case. It is in a way promoting drunken driving.

Hence the claim is denied.

I have a question for you now?

Let’s say, a motorist has not kept the helmet and the car driver has not kept the seat belt and dies in an accident, Can an Insurance Company can deny his personal accident Insurance claim?

Susheel Agarwal

Susheel Agarwal

Susheel is a certified Happiness Coach, which enables him to help organizations develop healthy and happy workplaces. Years of extensive in-depth research by interacting with various leaders of happy & not so happy organizations, attending several Happiness and Leadership programs along with his own authentic experiences, Susheel has been successful in establishing a happy workplace. He currently works as a Thought Leader and a Passionate Coach, educating corporate leaders to do the same.

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