My friend has taken a housing loan,recently she got expired in an accident,should that loan be pai?

normally some people have insurance on loans that get paid by the company that the loan was gotten from its like a disability guarantee of payment if something happens to the person who got the loan it should get paid if they have the insurance if not the beneficiary will have to pay it from funds if there are any if not you'll have to notify that loan department saying theres no money to pay for it and go from there.