If you, the (auto) insured, not life insured, are killed in an accident that you caused can your loved ones co

llect on your auto insurance policy for your death? Which coverage and what would be the limit on that death benefit? God forbid!

That depends on whether you carry Accidental Death and Dismemberment coverage on your auto insurance (typically either $5000 or $10000), and whether or not your state has Personal Injury Protection coverage that pays a death benefit.

You cannot collect under your own Bodily Injury Liability coverage whether the accident is your fault or not.

Probably not. One cannot sue oneself, therefore you cannot collect under the bodily injury portion of the policy. Your family could collect medical payments, if you have medical bills (sometimes funeral expenses), related to the accident.

In some state there is PIP or No Fault, which may pay your heirs a small amount of disability.

Other than that, I don't think there is a way, on your auto policy. There are other policies that provide coverage of that nature (credit life, life insurance, disability and the like)

I don't know if I understand your question exactly.

An auto policy is not a life insurance policy, you (or your loved ones) can't collect anything for being liable for your own death.

Hope that helps, buy some life insurance.

This depends on whether you are in a tort jurisdiction or a no-fault jurisdiction. No-fault jurisdictions usually have some sort of Death Benefit, that is paid regardless of who is at-fault. The amount varies as to whether the deceased is a "head of household", spouse or dependant. If you live in a no-fault jurisdiction, check your policy to see what your limits are. Keep in mind, however, that the amounts will not ensure financial security (the highest limit I know of is $50 000) for your loved ones. If you are truly concerned about ensuring your family's financial security, speak with a life insurance agent. They will analyze what is a proper amount to ensure that your financial obligations are met in case of death.
If you live in a tort system, you, as an insured, cannot sue yourself. Trust me, it's been tried (and failed). In this case as well get a life insurance policy.

ONLY if the auto policy has a seperate coverage titled Auto Death Benefit, and it's usually only $15K payable to the surviving spouse or parent (if a minor) or estate; time restrictions are listed on the policy, but usually within 1 year of the accident.

If Med Pay was on the policy, it might cover up to $3K for funeral expenses.

Depending on the laws of your state, there may be coverage under the bodily injury portion of the insured vehicle, and UIM coverage on the deceaseds own policy...so long as the deceased is not the driver or proximate cause of the accident.

1st: Let me say this; I hope this never happens to you or anyone else! 2nd: In the event of this kind of tragedy, it will probably take extensive "legal-action," to collect any amount that your policy would cover!
Not too mention, saving your "deceased loved-one's character"(name-self image) from the severe and total "Bashing" that your insurer(Ins.-company) will employ, to keep from having to "Settle" with the family....
Remember, every ins. company is a business! They "Live" for one thing; Generate Revenue!! They aren't in the business to "Honor" their contract with the Holder(Policy), and then "Pay-Out" on the claim! Just look at how those "Sorry-B*stard's" have treated all of their "policy holders" in Florida, New Orleans, Alabama, Mississippi, and East Texas, form the past few Hurricanes! They(Ins. companies) expect "The Tax Payer" to "Bail Them Out," so it won't cause them to have to "lay-off" employees, and the "Main-Factor;" Upper management to loose their "Quarterly-Bonus, and Corporate Pay Raises," that they feel that they are entitled to receive!
Why is it also "Law" that we have to be insured?
Simple; those "corrupt sorry scum-bags" have "bribed" every politician who has ever served in office, so that corporate-heads in the insurance industry, can continue to "rake-in huge sums of money" for policies, then have "total-protection" when they don't honor their own policies to all of us, that have to buy insurance! It is a total "Win-Win" for them; They collect our "premiums" every month, and when it is time for them to "pay-up," THEY CANCEL you, then take you to court for "Fraud!"
You are trying to "commit-robbery"(bank) on them, period!
I hope you are never put in the dilema that you're asking about, it will be "a fight" of your Life, just to collect the "bare minimum" that your policy does allow, and to "protect" your deceased family members name; Since they will surely put all of the "Blame and Fault" onto them, so they can use that as an excuse, not to pay, as well as "Place Total Blame & Fault" on the deceased, since they won't be able to "Speak" for themselves!
Sorry, but this is "reality!" I hope you never have to find this out!
Good Luck....

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