Accidental Death Claims
We get accidental death claims paid for our clients. Accidental death insurance policies are written in ways that give the insurer multiple ways, and plenty of reasons, to deny claims. To get an accidental death claim paid you need great representation. That means a firm that knows these claims and policies inside out. That’s The Center for Life Insurance Disputes. We handle the toughest accidental death claims and get them paid to our clients quickly.
- Fact: All accidental death policies have at least 5 Exclusions that act as hurdles to getting a claim paid.
- Fact: The most common Exclusion used by insurers to deny a claim is the Intoxication exclusion.
- Fact: 32% of all auto-related deaths involve alcohol.
- Fact: 20%-50% of all auto-related deaths involve drug intoxication.
- Fact: The accuracy of blood sample testing depends on proper sample collection and analysis. Unreliable results can happen due to issues like sample contamination from improper collection, use of alcohol swabs, or issues with the testing equipment, leading to false positives or inaccurate readings.
We know how to get accidental death claims paid.
We get a lot of calls from people who have been denied an accidental death insurance claim. Accidental death insurance is life insurance with a lot of restrictions. The primary restriction of this life insurance is that the person must die from an accident. But what most people do not know is that there are many other restrictions within these policies. One of the standard restrictions is that there cannot be any other related factors that would cause the death. How this becomes so confusing is that many death certificates will list a primary cause of death as accidental. But it is the related factors that determine if a benefit will be paid.
If someone dies of a drug overdose, prescribed or not, the death certificate will often state the cause of death as accidental. The related factor is, of course, that the accident was due to a drug overdose. Drug overdose is rarely covered in an accidental death insurance policy. One woman called after her accidental death claim was denied and said her father died when he fell off of a fire escape. When the blood test results were reviewed it turned out her father had a blood alcohol level above the legal limit for his state. The insurance company denied the claim stating the accident wouldn’t have occurred if he hadn’t been drinking and they have a restriction against alcohol related injuries.
Another man contacted us for help after his wife fell and hit her head and subsequently died. The death certificate stated a cause of death as accidental due to blunt head injury. The insurance company reviewed her medical records and found that she had common dizzy spells and they therefore did not owe the claim because she had a medical condition that caused her to fall.
So, when is an accident not an accident? The answer; when it is restricted by an accidental death insurance policy.
There have been many lawsuits where people have fought denied accidental death claims. In some cases the beneficiaries have won and some they have lost. It all depends on the specifics of the situation. Instead of lawsuits, legal fees, and trying to win a claim based on a theory, we do a complete investigation, uncovering the truth, and we work directly with the insurer to resolve the claim.
If you have an accidental death claim that needs expert representation, contact us at The Center for Life Insurance Disputes for a free evaluation of your claim. We have great results in getting denied claims paid from Accidental Death policies.
Free Claim Consultation: (888) 428-4868
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