VIDEO: Why Life Insurers Deny Accidental Death Claim
When a life insurance company refuses to pay an accidental death claim, it adds insult to injury. Accidental Death and Dismemberment Insurance (often called “AD&D Insurance”) exists to pay a benefit when someone dies in a way that you cannot plan for – as a result of an accident. AD&D Insurance companies find creative ways to deny accidental death claims. Watch this video as Life Insurance Attorney John V. Tucker explains some of the reasons why AD&D Insurance Companies deny accidental death claims.
You need to pay attention to the details of the AD&D policy. Some key policy terms include:
- The definition of “accidental death,”and
- Drug and alcohol intoxication exclusions;
- Pre-existing condition exclusions; or
- Medical malpractice exclusions.
Often, AD&D policies have very high payouts, so the insurance company is looking for any way to save money on these claims. Don’t think that a denial means they are right. Often, we are able to help beneficiaries in accidental death claims, because the insurer improperly denies the claim.
To learn more about your rights if an Accidental Death claim was denied, call Life Insurance Attorney John V. Tucker toll free nationwide at (866) 282-5260 or use our online contact form to tell us the details about your claim.