Lawyers for Denied Accidental Death & Dismemberment Claims
Accidental Death & Dismemberment (or AD&D) insurance is an insurance product that responds to accidental injury, dismemberment, or death. The insurance benefits for Accidental Death & Dismemberment insurance are usually paid in a tax-free lump sum payment, often calculated in accordance with the wording of your specific policy.
Injuries Covered By Accidental Death & Dismemberment Insurance
Different types of injury will attract different insurance payouts. What you would get for losing the loss of a hand would be less than what you would get if you were rendered paralyzed. It all depends on the specific provisions of your insurance policy. In order to attract coverage under an Accidental Death & Dismemberment policy the specific injury must be listed in the policy. Some of the types of injuries that are covered under Accidental Death & Dismemberment policies are:
- Loss of Hearing
- Loss of Vision
- Loss of Life
- Concussions / Head Injury
- Spinal Cord Injuries
- Fractures
Cause of Injury or Death Covered By Accidental Death & Dismemberment Insurance
To qualify for coverage under Accidental Death & Dismemberment Insurance you not only have to have an injury that is contemplated under the contract, the mechanism of injury or death needs to also be contemplated by the language of the policy and, importantly, not be specifically excluded.
Each specific policy will have a list of the excluded causes injury and death under a policy for Accidental Death & Dismemberment. Some common exclusions for Accidental Death & Dismemberment insurance are:
- Death by suicide
- Death due to natural cases
- Death by illness
- Death while intoxicated with drugs or alcohol
- Death or injury while flying in non-commercial planes
- Death or injury in a war
- Death or injury occurring in a sporting event
If the cause of injury or death is excluded under the Accidental Death & Dismemberment Insurance policy, then your insurance company will deny the claim.
Denied Accidental Death & Dismemberment Insurance Claim
Accidental Death & Dismemberment claims are often denied based on strict policy interpretation alone. As in other areas of insurance, this is one where the lack of understanding of the nuances of insurance law by medical practitioners work against people making claims under Accidental Death & Dismemberment insurance policies. Almost no doctor considers the working of insurance policies when making a determination of causation or diagnosis of injury or cause of death. Due to this insurance companies will often be presented with ambiguity in the terms used by medical practitioners which they will leverage to their advantage and use as an excuse to deny otherwise legitimate Accidental Death & Dismemberment insurance claims.
If you have a wrongfully denied Accidental Death & Dismemberment insurance claim the lawyers at Taylor & Blair LLP can help.
Making Sure You Get A Fair Deal
Taylor & Blair LLP has been fighting insurance companies for over 30 years to ensure our clients get the insurance benefits they are entitled to. If your Accidental Death & Dismemberment insurance benefits claim has been denied our insurance denial lawyers will make sure that the insurance company pays you what you’re owed.
If you have a claim for denied Accidental Death & Dismemberment insurance benefits, contact us today as there are strict timelines in which you have to act.