In a tragic car accident, who will receive the Accidental Death benefits if the primary beneficiary is still alive?

In the context of life insurance policies, especially regarding accidental death benefits, the distribution of benefits depends on the status of the primary beneficiary at the time of the insured's death. If the primary beneficiary is still alive at the time of the insured's death due to an accidental event, that individual is entitled to receive the benefits.

The reasoning here is straightforward: the primary beneficiary is designated to receive the death benefits directly upon the occurrence of the event defined in the policy (in this case, accidental death). Their survival following the accident does not change their eligibility or right to the benefits.

As for the other potential recipients, such as a contingent beneficiary, they would only become eligible if the primary beneficiary were deceased or otherwise unable to take the benefits. In this situation, since the primary beneficiary is alive, no benefits would pass to contingent beneficiaries or any alternative recipients. Therefore, the choice indicating "P only" is accurate, affirming that the primary beneficiary is the one to receive the accidental death benefits in this scenario.