Why Accidental Death Claims Are Denied
Excuse #1: Death Was Not “Accidental”
The question of whether a death is “accidental” comes up more often than one would think. Insurance companies often claim that a death was not accidental because the decedent’s actions were so reckless that death was a foreseeable risk and thus not accidental. This excuse is used repeatedly by insurers in denying claims that involve alcohol or drugs.
Often these denials are wrongful and the excuses for denial are not legitimate. We have successfully handled cases where the insurance company improperly defined “accidental,” or was unfairly selective about the law and evidence it considered in deciding whether the death was “accidental.”
It is important for any person who makes a life insurance claim to know that they are not automatically “stuck” with an unfair claim denial, no matter what the insurance company or the policy itself says.