Did You Lose A Loved One In An Accident?
Our insurance denial attorneys can help with your AD&D claim
Accidental death and dismemberment (ADD or AD&D) is a type of insurance that pays benefits when the insured is killed or loses a limb, vision or hearing in an accident. This type of coverage is like life insurance, but much more limited in scope. While life insurance provides coverage when the insured person dies under nearly any circumstances, AD&D only provides coverage when the insured person dies because of an accident.
In principle, AD&D should protect your family under the worst possible circumstances: when a loved one passes away suddenly, leaving you struggling to find a way to move forward. Unfortunately, if you've lost a loved one who was covered under AD&D, your family may be in for a difficult battle with the insurance company. Because AD&D is limited to such specific circumstances, the insurance company will look for every possible way to deny your claim. And because most AD&D policies are provided by an employer with no opportunity to shop around, the policy holder often isn't aware of all the terms and exclusions - a fact that the insurance company will absolutely use to their advantage.
That's why you need an experienced accidental death denial lawyer. Reach out to NLE Law today.
We understand the complex rules surrounding AD&D cases
In order to collect accidental death benefits, you will need to show that your loved one's death was due to an accidental cause. Often, the insurance company will dispute whether the death actually resulted from an accident. For instance, if a medical problem contributed to a car crash, the insurance company may argue that the cause of death was the medical issue rather than the car crash itself. Likewise, if the insured person died on a surgical operating table after an accident, the insurance company may argue that the cause of death was a surgical error, which again is not covered under AD&D.
Moreover, every AD&D policy carries "exclusions" - causes of death that are specifically not covered. These vary from policy to policy, but some of the most common exclusions are:
- Injury or death sustained while intoxicated
- Suicide or attempted suicide
- Certain high-risk activities such as skydiving
- Physical or mental illness
- Drug or alcohol use
In principle, insurance companies are required to pay out within 30 to 60 days of the accidental death. In practice, that's rarely the case. The insurance company may argue that they do not have enough information to determine whether the death was accidental. They may claim that the death was a suicide or other non-covered cause, and they will try to put the burden of proof on you to show that it really was a covered accident. If the insurance company is disputing your claim, you need to contact us right away.
Get an experienced insurance denial attorney on your side. Call today.
Our attorneys have extensive experience handling the complex circumstances surrounding AD&D denial cases. We know how to review policy language and determine whether an exemption really did apply to your loved one's case. We understand the arguments that your insurance company will make - and we know how to beat them.
We'll also explore your other legal options in the event of an accidental death. Depending on the circumstances of the accident, we may be able to file a wrongful death claim against the person who caused the accident. If your insurance company acted in bad faith by denying the accidental death claim, we'll work to hold them accountable.
We understand that you may not want to involve an attorney. But the sooner you get experienced legal help on your side, the easier it will be to move forward after an accidental death. That's why we encourage you to reach out to NLE Law right away. Call (206) 623-7520 for your free consultation.