Accidental Death and Dismemberment

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I just took in a new case involving the denial of an Accidental Death insurance claim.

Accidental Death policies are different from Life Insurance policies.  Life insurance policies pay out when the insured person dies, regardless of the cause of death.  Accidental Death policies pay out when the insured person dies from an accident.  However, one common exclusion in Accidental Death policies is for deaths caused by a medical condition.

Unfortunately, insurance companies often become confused by their own policies.  And, as you know, when an insurance company succeeds in confusing itself about what its policy says, it then refuses to pay the claim.

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My client’s brother was riding his motorcycle when another driver turned left in front of him.  The motorcyclist struck the front right corner of the car.  The motorcyclist died at the scene.

The driver of the car received a ticket for violation of right of way.  The motorcyclist was not speeding, and was not found…

We were recently retained to seek accidental death and dismemberment benefits from The Prudential Insurance Company of America (“Prudential”). The insured was involved in a motorcycle accident suffering severe injuries. The policy requires that a death occur within 365 days of the accident in order to claim life insurance benefits. Although the insured died as…