In the event of a car accident involving P, Q, and R, who will receive the accidental death benefits if Q and R are killed instantly?

Study for the West Virginia Life and Health Exam. Utilize flashcards and multiple choice questions, each equipped with hints and explanations to prepare for your exam efficiently. Be confident and ready for success!

In the context of accidental death benefits, the key factor is usually the named beneficiary on the insurance policy. If Q and R are both killed instantly in the accident, the determination of who receives the benefits hinges on whether either of them had an individual life insurance policy with accidental death coverage.

If P is the insured party and Q and R are not listed as beneficiaries on P's policy, then under typical insurance protocols, it would be P who would be the primary focus. In the event that P has a policy providing accidental death benefits and is still alive, P would be the one entitled to claim those benefits unless there is a specific stipulation that directs benefits to the deceased individuals' estates, which is not commonly the case.

The options that suggest R, Q, or both will receive benefits would generally imply that they had some sort of coverage in their name, which is not supported by the wording of the question. Therefore, the assertion that only P receives the benefits aligns with standard insurance practices when there is no indication provided that Q or R had their own policies in place.

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