Accidental Death and Dismemberment (or “AD&D”) insurance is often times put in place by a family who wants to supplement their life insurance, or by a family who thought they were buying life insurance. AD&D Insurance pays benefits to the beneficiary if the death of the insured was the result of an accident. There is a narrow definition that describes what is covered in accidental death policies, so allowing us to investigate your policy language is the best way to ensure that your denied accidental death insurance benefits get paid. Most often car accidents and accidental shootings or homicides are going to be covered. Additionally, drowning, working accidents and other causes of death are going to be covered as well. However, if the accidental death was the result of a chronic illness, suicide, war or a self inflicted injury, then the accidental death claim will generally be denied. Even if your claim falls into the latter part and is denied DOES NOT MEAN that you cannot win your case. That is why it is so important that whether the insurance company is denying your claim or just delaying it, that you call for legal help as soon as possible. Do not let the insurance company just tell you that your accidental death claim is denied, allow an attorney, who is working for you to tell you what options you have available. The call is free.