Life Insurance Claim was Denied for Drunk Driving
If your life insurance claim was denied for drunk driving or alcohol intoxication call us for help. We represent beneficiaries of life insurance claims and accidental death claims.
Before a life insurance claim can be denied for drunk driving or over the legal limit intoxication the evidence has to be irrefutable. Often times it’s not. If it’s a past dui, history of drunk driving violations, or the results of a toxicology report, often the evidence isn’t irrefutable. But, insurers may lead beneficiaries to believe their decision has been fully explored and is final.
Factors such as lab result variances, testing methods, timing, and blood or tissue sources all effect blood alcohol results. Life insurance claim examiners rarely ever delve into these details. Instead, they’ll look at a single result in a toxicology report and deny the life insurance claim.
Don’t let this happen to your claim. If your life insurance or accidental death policy has been denied for drunk driving or alcohol intoxication a full investigation needs to be done (see Life Insurance Claim Investigation). We perform exhaustive investigations and get these claims paid.
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Life Insurance & Accidental Death Claims
Life insurance claims are usually subject to any Drunk Driving history. Accidental death claims are usually subject to an under-the-influence exclusion.
A DUI Doesn’t Mean a Death Claim Should be Denied
Was the dui last week, last year or 5 years ago? Did the insured attend traffic school? Were there any repeat offenses? How was the blood alcohol test administered? Each of these items are relevant to a life insurance claim and have to be explored. The claim examiner isn’t going to do this for a claimant. We will.
Accidental Death Policies
If the insured died while intoxicated and the policy has an exclusion for intoxication the claim may still be payable. There have been recent Court rulings favorable to accidental death claims while the insured was intoxicated.
We’ve won many death claims by proving the testing results — assumed by the insurers to show a person was over the legal limit — were unreliable.
The Life Insurance Application is Important
When someone applies for life insurance the insurer will conduct an investigation of the person’s health, finances and their driving record. In cases where a life insurance claim was denied because of drunk driving, the insurer will often cite a lack of disclosure about driving history or driving while intoxicated violations. But, if the insurer chose not to investigate the insureds background it will be challenged to substantiate that it didn’t know the risk it accepted.
Death While Intoxicated is Unique
Intoxication is defined to mean “that blood alcohol content or the results of other means of testing blood alcohol level, meet or exceed the legal presumption of intoxication under the law of the state where the accident took place”. This is relevant when a life insurance claim was denied because of drunk driving.
There can always be exceptions or special circumstances and everything must be considered in the investigation when a life insurance claim was denied because of drunk driving. Don’t hesitate to contact us to discuss your life insurance claim.
We specialize in getting difficult death claims paid. Many factors are important in determining if a life insurance claim should be denied or approved when there are questions about intoxication. We specialize in getting difficult death claims paid. You likely need a specialist to get your claim paid if it’s been denied because of drunk driving.
Call Us Now (888) 428-4868
The Center for Life Insurance Disputes represents beneficiaries of life insurance claims. If you need assistance filing a claim or if your claim has been denied, we are the experts who can help you get your money. Our fees are reasonable and our success is unmatched. We accept clients from all US states. We offer a free consultation in order to determine the best way to get your claim paid. We’re experts at life insurance claims and policy dispute resolution.
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Life Insurance Claims Denied for: