Accidental Death & Dismemberment insurance provides benefits when the insured experiences a covered accident that results in death or specific severe injuries. These injuries could include: the loss of a limb, paralysis, or blindness. Each insurance company defines the scope and types of injuries or death covered under their AD&D policies, which can vary significantly. The lawyers at Johns Law Group are dedicated to ensuring you understand what that scope of your coverage is.
Typically, coverage may include accidents such as:
- Vehicular crashes
- Being crushed by falling objects
- Falls and other accidental injuries
- Deaths while using public transportation
- Fire-related incidents
- Lightning strikes / other natural disasters
- Homicide / Murder
- Accidents that take place at work
Common Exclusions in AD&D Policies
Exclusions to AD&D coverage differ from one insurer to another. However, most insurers exclude the following causes of death from coverage:
- Participation in high-risk activities (e.g., car racing, skydiving, scuba diving) unrelated to one’s occupation
- Engaging in criminal activities of any kind
- Driving while under the influence of alcohol or drugs
- Drug or substance overdoses
- Deaths caused by illnesses, including cancer, diabetes, or infections
- Death during professional sporting events
- Suicide or deaths related to mental illness
- Deaths due to surgery complications
- Deaths during acts of war
It’s essential to review the terms of your AD&D policy carefully to ensure that you fully understand the coverage and exclusions. Navigating your AD&D policies can be confusing, but our Miami-based AD&D insurance claims attorneys can provide guidance through a free consultation to get you the answers you’re looking for.
The Importance of AD&D Insurance in High-Risk Occupations
AD&D insurance can be purchased as a standalone policy or added to a standard life insurance plan to provide extra financial protection in case of death or severe injury resulting from an accident. People often buy AD&D coverage if they work in high-risk jobs and want to secure financial support for their families in case of unexpected accidents.
Occupations that commonly benefit from AD&D coverage include, but are not limited to:
- Aircraft pilots
- Automotive mechanics
- Commercial fishers
- Construction workers
- Extraction workers (e.g., mining, drilling)
- Farmers and ranchers
- Firefighters and rescue personnel
- Flight engineers
- Instructors in hazardous fields
- Landscaping and grounds keeping workers
- Loggers
- Manufacturing workers
- Police officers
- Refuse and recycling collectors
- Roofers
- Structural iron and steelworkers
- Truck drivers
If you or a loved one has an AD&D policy and suffered a covered injury or death in an accident, but the insurance company is disputing your claim, our team is here to help. Our experienced attorneys are dedicated to securing the benefits you deserve, regardless of where you live in the United States.
Why Are AD&D Claims Often Denied?
Insurance companies frequently scrutinize AD&D claims due to the significant financial liability involved. This can lead to delays, undervaluing, or outright denial of claims. Common reasons for claim denial include:
- The claim stems from an illness, not an accident
- The injuries do not meet the policy’s criteria for dismemberment
- The death was not accidental
- The employee was not enrolled in the employer’s AD&D group plan at the time of the accident
Our team of attorneys will assist in your AD&D claim in cities all across the nation. Some of these include: Tampa, Miami, New Orleans, or Houston. If you need assistance with an AD&D claim, contact our experienced attorneys in Miami or nationwide by calling (866) 970-0977 or reach out online. Schedule a free, confidential case evaluation, and let our team use over 50 years of combined legal experience to help you.
Our legal team at Johns Law Group will aggressively advocate for your rights and hold your insurance company accountable to the terms of your policy. Insurance companies have legal teams, and so should you.
Contact Our Experienced AD&D Attorneys Today