Los Angeles recorded 303 traffic deaths in 2024, based on preliminary police data. For commuters, drivers, and anyone who walks or bikes the city, we compare AD&D policies that pay a benefit after a serious accident.
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Traffic deaths in the city haven’t dropped as hoped since Vision Zero began. Here’s the trend.
| Year | City traffic deaths | What it means for coverage |
|---|---|---|
| 2015 | About 240, when Vision Zero launched | The starting point for the city's goal |
| 2016 to 2023 | At least 280 every year | Traffic risk has stayed high |
| 2024 | 303, based on preliminary police data | AD&D covers traffic accidents as a driver, rider, or pedestrian |
We check that driving, transit, walking, and biking accidents are covered.
We compare plans with higher benefits for common carrier accidents.
We show how AD&D fits with auto, health, and life coverage.
Yes. Under most AD&D policies, traffic accidents are treated like any other covered accident. Policies generally cover accidental death and listed losses whether you’re driving, riding as a passenger, walking, or biking, subject to exclusions like driving while intoxicated or committing a crime.
Los Angeles recorded 303 traffic deaths in 2024, according to preliminary police data reported by LAist. The count hasn’t fallen below 280 in any year since 2015, when Vision Zero launched with a goal of eliminating traffic deaths and the city recorded about 240.
Auto liability coverage pays for injuries you cause to others. Medical payments coverage, if you have it, helps with your own medical bills up to a limit. AD&D is different: it pays a set cash benefit for accidental death or listed losses, wherever the accident happens.
Some AD&D policies pay a higher benefit if the accident happens while you’re a passenger on public transportation, like a bus, train, or commercial flight. If you commute by Metro or travel often, it’s a feature worth comparing across policies.
Yes. AD&D generally covers accidental death and listed losses when you’re struck as a pedestrian, the same as other traffic accidents. In a city where many people walk to transit or work, that coverage applies to the trips that don’t involve a car you’re in.
Tell us how you get around, and a licensed agent will lay out options by phone or video.
AD&D insurance pays only for losses caused by covered accidents and is subject to the exclusions and limitations in the policy. It is not a substitute for life insurance.
