What Does Accidental Death Life Insurance Cover? 
Accidental death life insurance only covers death due to accident , such as car accident , falls , drowning , etc. . Life insurance , on the other hand , covers death due to accident or any other cause . Far more people die from natural causes -LRB- illness , complications of medical treatment , etc -RRB- than accident . Therefore , accidental death coverage costs less than life insurance because it pays out far less often than life insurance does . 