Definition

• A survivor's clause is an auto insurance policy statement that surviving insureds can continue your auto insurance policy if you die in a vehicle accident.
  
  

Purpose

• A survivor's clause is designed to allow surviving insureds to maintain insurance coverage in the event of your death, instead of having to immediately find other coverage.
  
  

Primary Insured

• A survivor's clause is typically only applicable if the primary insured (the person who "owns" the policy) dies. This is because the death of another insured (an additional insured) would not have any effect on the continuance of the policy's coverages.
  
  

Time Limit

• Typically, a survivor's clause is only valid until the expiration of the current policy period (the policy period during which the primary insured dies).
  
  

Policy Expiration

• After the current policy period expires, insureds can buy a replacement policy or seek coverage with another company.