Accidental Death and Dismemberment Policies
Accidental Death and Dismemberment Insurance Denial
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.
Accidental Death & Dismemberment Policy Denied because of Intoxication
Accidental Death Insurance Companies also deny claims if the result of the covered accident was a result of some kind of drug or alcohol intoxication. Thus, if your loved one suffered an accident that would normally be covered, but the toxicology report shows that he or she was intoxicated, it is likely that the accidental death claim will be denied or subject to rescission. To increase your chances of getting the benefits paid, it is important that an attorney get involved with your case as early as possible.
Dismemberment Insurance Policies
Accidental Death and Dismemberment insurance policies, as their name suggests, covers dismemberment injuries as well. If you or a loved one have suffered an injury that resulted in the loss of a body part, be sure to obtain all of the compensation that you deserve.
If any of the above situations are what you are going through now, we suggest that you call an insurance denial attorney sooner rather than later. We are experienced, we get results and we are here to evaluate your case for free. Call today.
Hire an Experienced Insurance Claim Denial Attorney
Our results speak for themselves. Our experienced insurance claim denial attorneys have never lost a case. At Joseph & Eugene, LLC our lawyers handle cases throughout Missouri and Illinois. Don’t delay if you have been denied your insurance claim. Contact our knowledgeable lawyers today at (314) 881-8338 or send us an Insurance Denial question. We look forward to hearing from you. All communications are returned promptly.
Joseph & Eugene, LLC
222 South Central Avenue, STE 1003
St. Louis, MO 63105
The accidental death and dismemberment insurance claim denial Attorneys at Joseph & Eugene, LLC have extensive experience handling these matters.