When a loved one dies in an accident, the family often faces the loss of the family member and, in many cases, the primary breadwinner. Accidental death policies are designed to provide financial support to beneficiaries when the insured died due to accidental means. AD&D insurance may be purchased as a separate contract or it may be an option in a regular life insurance policy.
Sometimes, AD&D coverage is called double indemnity. It is not rare that insurers pay out regular life insurance claims but deny AD&D claims. It happens because AD&D contracts have their own set of exclusions that, if applicable, result in denials of benefits.
At our firm, we help beneficiaries collect ADD claims that have been denied for various reasons:
- Denial based on sickness exclusion
- Denial based on prescription drug use
- Denial based on illegal drug use
- Denial based on accidental death not independent from other causes
- Denial based on intoxication
- Denial based on participating in a crime
- Denial based on suicide
- Denial based on failure to file a claim within a certain period of time
Has Your ADD Claim Been Denied?
Call Us Now For Help!
One of the common reasons for denial is denial due to an illness that caused or contributed to death. Rarely do we see cases where the insured is in perfect health. Almost in every case the insured has a medical condition. The problem arises when insurance companies use the presence of an illness as an excuse to deny a valid claim. Many ADD policies have exclusions for deaths that were caused by or contributed to by an illness. There is no automatic denial, however, and the insurance company will need to prove that the death was in fact caused by an illness and not an accident.
Another common type of an ADD claim denial is a denial based on intoxication and use of prescription medications or drugs. These cases are complex and require meticulous investigation. Many beneficiaries feel overwhelmed by having to deal with a myriad of complicated insurance documents. It is always a good idea to consult with an attorney if the accidental death involved alcohol, prescription medication misuse or drug use.
Dismemberment polices pay benefits to the insured when the insured proves that he sustained dismemberment – loss of a limb, vision or hearing. Many accidental death exclusions apply to dismemberment claims as well. If your dismemberment claim was denied, contact us for a free consultation. Our ADD attorneys will review the case for you and will advise you as to the best course of action. An ADD attorney at our firm can help you navigate through the complex process of fighting an insurer when an ADD claim has been denied.
We have recovered millions of dollars in denied ADD claims and would like to help you receive what is rightfully yours under the policy terms. Not every denial should be taken as a final verdict and every beneficiary should know that a wrongful AD&D claim denial can be reversed on appeal or through litigation. We investigate carefully every AD&D claim denial before submitting an appeal.
No Legal Fees Unless We Win Your Case!
Our attorneys work on a contingent fee basis. It means that we do not charge legal fees unless we collect the life insurance proceeds for you. Only then will we charge a reasonable legal fee. We take pride in offering competitive contingent fee structures and will work with you to ensure you are comfortable with the fee.
If you find yourself in a similar situation or feel that your AD&D claim has been unfairly denied, call us for a free consultation. We have helped many beneficiaries get their claims paid. Whether your claim has been denied due to application of exclusion or because it was filed too late, our life insurance lawyers will give tell you about your legal options. If your claim has been denied or delayed, call our life insurance lawyers for help. We have the experience you can trust.
Call us now at (888) 510-2212. Competitive contingent fees.