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What Do Insurance Companies Consider Accidental Death for an Accidental Death Insurance Claim?

Accidental Death and Dismember is a type of life insurance that pays a benefit when a person’s death is caused by an accident. Insurance companies typically define accidental death as a death that occurs as a result of an unforeseen event or accident that is out of a person’s intent or control.

The accidental death and dismemberment (“AD&D”) policy will expressly define “Accident” as well as any limitations that apply to death.

Examples of accidental death include:

  • Car accidents
  • Slip and falls
  • Choking
  • Drowning

The AD&D insurance company will look at the nature of the death and determine if it is accidental and unforeseen. They will require a copy of the autopsy, death certificate, police report, or any other documentation that will help determine the cause of death.

However, it is important to understand that some policies exclude certain deaths caused by events such as:

  • Suicide
  • Deaths caused during a commission of a crime or felony
  • Death caused by participation in a riot, war, or treason
  • Death caused by a medical condition

If you are submitting a claim for AD&D benefits, or have already received a denial, call the experienced attorneys at Dabdoub Law Firm. We will review the policy language in connection with the facts of the case and guide you through this process. During such a difficult time, you should not have deal with an insurance company dragging out your claim. Our attorneys are here to help.

Attorneys That Focus on Handling Accidental Death Insurance Claims

Dabdoub Law Firm focuses on helping people get paid accidental death insurance benefits from insurance companies.

With that kind of focus, we have:

  1. A proven track record of success;
  2. Recovered millions of dollars in insurance benefits for clients like you;

Every day, our AD&D lawyers work to get insurance companies to pay benefits.

With so much at stake, shouldn’t you have experienced accidental death lawyers on your side?

Because federal law applies to most accidental death insurance claims, we do not have to be located in your state to help.

Call to speak with an accidental death insurance lawyer.