Life Insurance covers death by accident as well as death by natural causes. If the accident was random (an “act of God”, such as being struck by lightning) or related to a health condition (such as hitting a pole while suffering a heart attack while driving), it does not matter. Only life insurance covers death by any reason (except suicide in first two years).
Once a life insurance policy is in force and death occurs by any means except suicide during the contestable period, the claim will be paid. There are life insurance policies that are AD&D contracts that only pay claims from accidents.But most advisers recommend full coverage life insurance to cover any cause of death.