Dedicated Accidental Death & Dismemberment Insurance Claims Attorneys in Miami, Florida and Nationwide
At Disability Insurance Law Group, our Miami, Florida and nationwide accidental death and dismemberment claims lawyers have more than 50 years of combined experience in protecting the rights of policyholders in Florida and across the nation.
Our Miami-Dade County attorneys know that when someone files an accidental death & dismemberment claim, it is because their life has traumatically changed. These policies are specifically designed to provide financial benefits to the insured or their beneficiaries in the event of accidental death, serious injury, or dismemberment resulting from an accident.
We also know that insurers often dispute these claims using long-established examination techniques that allow them to delay, undervalue, or deny their policyholders’ coverage — sadly when they need them the most.
When you and your family face life-changing circumstances doubled by significant obstacles from insurers, our Miami, Florida and nationwide accident death and dismemberment insurance claims attorneys want to help you pursue your insurance company for the benefits you need to move forward.
Contact us today to get the help you need to take back control of your life confidently.
What Types of Accidents, Injuries, or Fatalities Will AD&D Insurance Cover?
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.
The types and extent of injuries or death covered in AD&D policies are particular to and defined by each insurer.
They may include circumstances where the individual was hurt or lost their life in:
- Car accidents.
- Crushed by fallen objects.
- Falls and other injurious accidents.
- Fare-paying public transportation passenger deaths.
- Fire-related accidents.
- Lightning strikes.
- Workplace accidents.
Exclusions to AD&D policies vary from insurer to insurer.
Generally, the following causes of death will be excluded from payment:
- Car racing, skydiving, scuba diving, or any other high-risk activity that is not job-related.
- Committing a crime.
- Driving while under the influence of alcohol or drugs.
- Drug overdoses.
- Illnesses, including bacterial infections, cancer, or diabetes.
- Professional athlete during a sporting event.
- Suicide, or death as the result of mental illness.
Depending on your insurer, there may be critical exclusions to your unique AD&D policy. It is vital to review your coverage thoroughly to ensure you and your family understand the terms of the agreement. We can help. No matter where you live or work in the U.S., contact our Miami AD&D insurance claims attorneys today to discuss your needs during a free consultation.
Accidental Death & Dismemberment Insurance Coverage is Vital in Many Occupations
AD&D coverage may be purchased as standalone coverage or added to a standard life insurance policy to increase the benefits if a covered accident results in death or a qualifying dismemberment injury.
When an individual purchases an AD&D insurance policy, it is often because their occupation is dangerous, and they want to help ensure that should the unthinkable occur, they and their families’ futures are financially protected.
Common occupations where workers may benefit from AD&D coverage may include, but are not limited to:
- Aircraft pilots.
- Car mechanics.
- Commercial fishers.
- Construction trades.
- Extraction workers.
- Farmers, ranchers, and agricultural managers.
- Fire and rescue.
- Flight engineers.
- Instructors in risky fields.
- Landscaping, lawn service, and grounds keeping workers.
- Refuse and recyclable material collectors and processors.
- Structural iron and steel workers.
- Truck drivers.
If you or a loved one carried AD&D insurance and were in a covered accident where you suffered a qualifying injury or death and the insurance company is challenging your claim, we want to help. No matter where you live or work in the United States, our experienced accidental death & dismemberment attorneys in Miami, Florida and nationwide can help you understand your coverage so we can pursue your policy for the best outcome.
Why is the Insurance Company Denying My AD&D Claim?
While the types of injuries covered and the amount paid vary by the insurer and are explicitly enumerated in the insurance policy, the benefits paid out by an AD&D policy can help cover medical expenses, rehabilitation costs, and other expenses associated with an accidental injury. They can also provide financial assistance to the insured’s family in the event of accidental death.
Because AD&D insurance policies pose a substantial financial liability to insurance companies, claims are highly scrutinized and often delayed, undervalued, or denied altogether.
The most common reasons insurance companies respond by challenging AD&D claims include, but are not limited to:
- The claim is based on an illness, not an accident.
- The injuries do not meet the criteria for covered dismemberments outlined in the policy.
- The death was not the result of an accident.
- The employee was not enrolled in the employer-provided group AD&D plan when the accident occurred.
The legal team at Disability Insurance Law Group will aggressively fight to obtain the AD&D benefits you deserve and to hold your insurance company accountable for the coverage it promised. AD&D insurance companies have a team of attorneys, and you can too.
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Contact Our Skilled Accidental Death & Dismemberment Attorney Today
Contact our skilled accidental death & dismemberment attorneys in Miami, Florida and nationwide today by calling 954-989-9000 or contact us online to schedule a completely free and confidential case assessment, so we can put our over 50 years of combined experience to work for you.