What death benefits are covered by Section B?
When an insured loved one is killed in a motor vehicle accident, the head of the household, spouse of the household and dependants are entitled to receive death benefits for their loss.
In Miller Estate v. Co-operators General Insurance Co., 2005 NSSC 260, the court specified that death benefits are distinct from funeral expenses. Death benefits are offered in a lump sum to the head of the insured’s household and spouse and dependants upon the death of the insured.
What funeral expenses are covered by Section B?
If you have lost a loved one in an accident, you are entitled to a benefit that will assist you in covering their funeral expenses. Section B will cover up to $2,500 in funeral expenses.
In Miller Estate v. Co-operators General Insurance Co., 2005 NSSC 260, the insured single person died in a motor vehicle accident. The Estate claimed under Section B for $27,970 in funeral expenses. The insurer denied the claim, tendering only $1,000 in fulfillment of its obligation at the time. In this case, the Supreme Court of Nova Scotia confirmed that the benefits payable are limited to those expressly written in the policy ($1,000 in 2005). The amount of the benefit has since been amended to $2,500.
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