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Not sure what the question is - but if there was such an accident with the damages described your husband simply needs to hire a laywer to handel the issues. 

You are entiled to fair market value - problem is this is often the subject of debate and lowballing by the other insurance carrier. 

Generally, yes. This will typcially require hiring a lawyer to handle for several reasons. 

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Can life insurance claims be denied due to suicide?

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