The only scenario I could think of where a life insurance claim would be denied in a death resulting from a car accident would be a form of suicide that was proven, and the life insurance policy was still under two years old, then there may be contestability of the claim by the insurance company. Otherwise it is covered under the life insurance policy as an accidental cause of death.
There is a life insurance suicide clause excluding suicide as a cause of death in the first two years you are insured, one year in some states.
If the person who is insured under a life insurance policy is killed in a car crash the life insurance company will pay a death claim unless the “accident” was in fact proven to be suicide.
If the policy has an accidental death benefit provision additional money will be paid to the beneficiary, in addition to the death benefit of the life insurance policy.