Accidental Death & Dismemberment Insurance Claims Attorneys in Naples, Florida
At Disability Insurance Law Group, our Naples accidental death and dismemberment (AD&D) claim attorneys know AD&D insurance pays benefits for a person’s accidental death or dismemberment, which is the loss — or loss of use — of body parts or functions.
Our Collier County insurance lawyers represent policyholders and their family members in Florida and nationwide when their insurance companies dispute or deny their claims, using over 50 years of combined experience to produce results for our clients.
The dismemberment coverage of AD&D insurance dictates that the insurance company must pay a percentage of the policy benefits if the policyholder experiences severe injuries classified as dismemberment, including loss of limbs, loss of sight, and permanent paralysis.
An AD&D insurance policy also provides added peace of mind that the insured’s beneficiaries will have the financial assistance they need in the event of an accidental death.
Whether your AD&D insurance policy was purchased independently, as a rider to your life insurance policy, or was employer-provided, you or your family deserve to obtain the benefits outlined in your coverage successfully.
Contact us today to learn more about your legal rights and options to hold the insurer accountable for your benefits so you can confidently move forward.
What are the Most Common Inclusions Under Accidental Death & Dismemberment Policies?
Accidental Death & Dismemberment (AD&D) insurance policies typically provide coverage for specific events resulting from accidents directly paid out in the event of an insured’s death or certain types of injuries or dismemberments caused by accidents.
The exact terms and conditions can vary between policies and insurance providers, but here are the most common inclusions under AD&D policies:
The primary coverage of an AD&D policy is a benefit paid to the beneficiary if the insured person dies directly from an accident covered by the policy. This coverage often includes accidents such as car crashes, falls, drownings, or other unintentional fatal events.
AD&D policies typically provide benefits for losing specific body parts or functions due to an accident. Common examples include the loss of limbs, sight, hearing, or speech. The policy will specify the amount payable for each type of loss.
Some AD&D policies offer coverage for paralysis resulting from accidents. This can include quadriplegia or paraplegia, which result in the loss of function or mobility in certain body parts.
Policies may provide benefits if the insured falls into a coma due to a covered accident. The policy will specify the duration of the coma required for a claim to be valid.
- Burning and Disfigurement
Coverage for severe burns and disfigurement resulting from an accident is often included in AD&D policies. The policy will specify the degree of burns required for a claim to be paid.
What are the Most Common Exclusions Under Accidental Death & Dismemberment Policies?
At Disability Insurance Law Group, our Naples AD&D insurance claims attorneys know that what policyholders and insurance companies deem “accidental” varies widely.
Policies tend to have many situations when death or injury is not covered. This is how they maneuver around paying the benefits policyholders and their beneficiaries deserve. While this is wholly unfair, it is the reality.
Exclusions can vary from company to company and policy to policy and depend on the state where the policy is issued. This is why we represent individuals and families in all 50 states, no matter who their insurer is or what type of AD&D policy they have.
Standard exclusions in AD&D policies may include, but are not limited to:
- Death caused by illnesses, including mental illness.
- Death or injury from car racing, flying a plane, playing professional sports, or participating in extreme sports such as sky and scuba diving.
- Death or injury from voluntarily inhaling gas or taking poison.
- Death or injury while committing a crime.
- Death or injury while driving under the influence of alcohol.
- Death or injury while participating in a riot or suffered during a war.
- Drug overdose.
- Injuries while serving in the armed services.
- Injury that happened before coverage.
- Suicide or self-inflicted injuries.
If you have suffered a dismembering injury or have lost a loved one to an accidental death, contact our Naples 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.
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.
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Contact Our Skilled Accidental Death & Dismemberment Attorney Today
Contact our skilled accidental death & dismemberment attorneys in Naples 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.