Litigating Accidental Death Benefits
Generally, an accidental death and dismemberment plan will be required to pay death benefits in situations where the insured’s death is the result of an accident. All insurance companies limit their exposure to accidental death claims by stipulating the specific causes of death and conduct of the insured that subjects the insurance company to liability. In Missouri, evidence that the insured's conduct involved a risk of death which was sufficient to render the insured negligent or even reckless, respecting that risk will not necessarily preclude a finding that the insured's death was accidental, and the plaintiff will not be required to show that the insured was not negligent or reckless in order to prevail on this issue.
Thus, in order to show that the death of an insured apparently resulting from a voluntary act was accidental, the plaintiff will not be required to negate the existence of any significant probability of death. It will be sufficient to show that the probability of death was not so great that the death of the insured would be described by the average person as a natural or probable consequence of the insured's conduct.
If you are the beneficiary of a life insurance or accidental death and dismemberment plan and were denied accidental death benefits, you should consult an attorney who will fight to get you the compensation you deserve.
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
Life Insurance Denial Attorneys at Joseph & Eugene, LLC have nearly 50 years combined experience handling insurance claims throughout Missouri and Illinois