Experienced Accidental Death & Dismemberment Insurance Claims Attorneys in Fort Myers, Florida
At Disability Insurance Law Group, our Fort Myers accidental death and dismemberment (AD&D) claims attorneys know that when individuals or family members pursue their AD&D coverage, it is because of a life-changing event.
AD&D coverage typically only pays benefits when the insured is in a covered accident that causes death or specific serious injuries that result in the loss of a limb, partial or permanent paralysis, or blindness.
While the inclusions may seem straightforward, the types and extent of injuries covered are particular to and defined by each insurer and policy. That is why we are here.
With 50 years of combined experience, our Lee County AD&D lawyers have represented individuals and families in Florida and across the nation facing resistance from their insurance companies so they can pursue the benefits they are entitled to exactly when needed.
Whether you are gathering the necessary documentation to pursue a claim, are responding to a dispute, or have already been denied benefits, we can help. Contact us today to learn more about your legal rights and options to hold your insurer accountable for your AD&D benefits.
What Does Accidental Death and Dismemberment Insurance Cover?
Accidental Death and Dismemberment insurance covers deaths and injuries from accidents.
AD&D insurance covers:
- Death from an accident.
- Loss of limbs.
- Loss of fingers.
- Loss of eyesight.
- Permanent paralysis.
- Loss of speech.
- Loss of hearing.
Accidental Death and Dismemberment (AD&D) insurance only covers accidents, not natural death or death caused by an illness.
Some other standard exclusions include:
- Death or injury from voluntarily inhaling gas or taking poison.
- Death or injury while driving under the influence of alcohol.
- Drug overdose.
- Specified recreational activities.
- Suicide or self-inflicted injuries.
- Wartime injuries.
If you have suffered a dismembering injury or have lost a loved one to an accidental death, contact our Fort Myers AD&D insurance claims attorneys today to discuss your needs during a free consultation. No matter where you live or work in the U.S., we are here to help you hold your insurance company accountable for paying the benefits you are owed.
Common Incidents Involving Accidental Death & Dismemberment
AD&D insurance typically covers accidents that result in the policyholder’s death or specific types of injuries or dismemberments.
These policies vary, but common accidents that may lead to AD&D claims include:
Car, motorcycle, bicycle, or pedestrian accidents that result in death or specific injuries may be covered by AD&D insurance.
Accidental falls, especially from significant heights, can result in injuries covered by AD&D if they lead to dismemberment or death.
Industrial or workplace accidents that cause fatal injuries or dismemberment may be covered.
- Sporting or Recreational Accidents
Injuries sustained during sports or recreational activities, such as hiking, skiing, or swimming, may be covered if they result in specified injuries or death.
Some AD&D policies may provide coverage in the event of a death or dismemberment caused by a natural disaster, such as a hurricane, earthquake, or tornado.
Ingesting harmful substances accidentally, such as toxic chemicals or drugs, leads to death or dismemberment.
- Assaults or Violent Crimes
Injuries sustained during physical assaults or violent crimes may be covered under specific AD&D policies.
Drowning incidents in which the insured person dies or suffers dismemberment due to an accidental submersion in water.
If an accidental fire leads to death or specified injuries, AD&D insurance may provide coverage.
Electrocution accidents that result in death or dismemberment may be covered.
It is important to note that the specific types of accidents and injuries covered by AD&D insurance can vary between policies. These policies often have detailed terms and conditions, so it is crucial to read and understand your policy to know precisely what is covered and under what circumstances. Additionally, coverage limits and exclusions may apply.
How Can Disability Insurance Law Group Help with My Claim?
To ensure you understand your legal rights and options to pursue a claim, contact our skilled Fort Myers AD&D insurance claims attorneys. We will review your policy, its coverage inclusions, and exclusions, and help you strategically pursue the benefits you are entitled to under your unique contract.
No matter where you are in the claim process or where you live in the U.S. — whether you are working on submitting the claim or have received a disputed benefits or denial letter — we want to help.
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Contact Our Skilled Accidental Death & Dismemberment Attorney Today
Contact our skilled accidental death & dismemberment attorneys in Fort Myers today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our over 50 years of combined experience to work for you.