If an insured dies in an accident, what may the insurer order to determine the cause of death?

When an insured dies in an accident, the insurer may order an autopsy to determine the cause of death. An autopsy is a medical examination performed by a qualified pathologist, which helps to establish the manner and cause of death. It is particularly useful in cases of accidental death, as it provides clear evidence regarding whether the death was indeed accidental and what factors contributed to it. The results of the autopsy can significantly affect the claims process by clarifying details that may be disputed or unclear.

In contrast, an investigation might involve looking into the circumstances surrounding the accident but would not provide the medical insights that an autopsy offers. A police report may give details about the incident itself, but it does not determine the medical cause of death. A financial review would focus on the insured's financial matters and is unrelated to the determination of death causes. Hence, an autopsy is a clear, direct means of establishing the factual basis required for the insurer to process the claim appropriately.