If you have full coverage car insurance and you have an accident and are killed does insurance pay settlement?

An unendorsed ISO Personal Auto policy should pay your "Part B-Medical Payments Coverage" Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or 5,000 but can be increased. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn't carry insurance or doesn't have an adequate amount. Also, there are endorsements available that could indemnify after a death such as "Auto Death Indemnity", which sounds like what you are needing.