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Buying an accidental death and dismemberment (AD&D) policy is often an act of love. The person paying for it usually won’t be the one benefiting from it but rather their family or other beneficiaries. It’s a hedge against the worst-case scenario, a way to make sure those left behind, or those dealing with a serious injury, will survive financially. AD&D policies are often purchased as an addition to standard life insurance. They are sold as an opportunity to greatly increase both the value of the life insurance and the financial security the family or beneficiary stands to receive. But the conditions for AD&D policies are a lot more restrictive than regular life insurance. They are meant to cover only accidental deaths and dismemberment injuries.
The narrower terms of coverage are what makes AD&D insurance so affordable, but they also give the insurance companies more ways to deny claims — even ones that seem to be completely justified. These companies are not in the habit of missing opportunities to decline payments. Over the years, we have seen that insurance companies will try to apply extremely narrow definitions of the terms “accidental death” and “dismemberment injury,” and thereby limit how often and how much they payout. But courts have often sided with policyholders when it comes to arguing over these definitions, and the insurance companies don’t want to go to trial. Instead, they’ll try to intimidate and frustrate you and try to get you to walk away. If your AD&D claim is being denied or delayed, don’t give up. That’s what the insurance company is hoping you’ll do. Contact our experienced attorneys at Morgan & Morgan Insurance Recovery Group for a free, no-obligation consultation where you’ll find out what your options are.
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