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What will happen if a person gets swept away in a river and the body is not found, how to claim insurance?
Siddhi Jain | June 23, 2025 2:15 PM CST

People's life is full of uncertainties. No one knows what will happen to whom and when. Therefore, to avoid such unwanted situations, people make preparations to support their families and provide them with financial assistance.

Many people get life-term insurance. So if someone dies in an accident, then in such a situation, their family gets the money of life insurance. But many people have many questions about life insurance.

Sometimes someone dies in an accidents. Someone falls into a river and gets swept away and his body is not recovered. So in such a situation, it becomes very difficult for his family to claim insurance in such cases.

Insurance companies issue claims only on the death of a person. But when the body is not found, then it becomes difficult to make a death certificate. In such a situation, the family has to first go through the legal process, which is not easy.

For this, information such as police reports, statements of witnesses and the last location of the missing person is necessary. If someone's drowning is confirmed by witnesses and police investigation, then the local administration can declare him dead under the perception of death.

After which a declaration letter is issued. But in some cases this declaration has to be printed in the gazette. But if there is clear evidence of a natural disaster or accident, then a claim can be received from the insurance company on the basis of the report of NDRF, police or administration.

So, if someone's body is washed away, then insurance claim can be made by going through the legal process. You will have to provide the correct documents while making a claim. In such a situation, the chances of getting the claim soon increase.


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