Accidental Death

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When and why AD&D insurance companies deny claims

According to the Centers for Disease Control and Prevention, accidents are the fifth leading cause of death in the United States. Will your loved ones be financially protected should you succumb to an untimely death due to an accident? Accidental death and dismemberment insurance (AD&D) may be purchased in addition to traditional life insurance or offered by […]

Ambiguous wording in policy costs insurer additional $4M

An inadvertent ambiguity in an insurance policy can be costly as Federal Insurance Co. learned in Tyll v. Stanley Black & Decker Life Insurance Program, 2019 WL 3081061 (D. Conn. July 12, 2019). There, the court resolved a motion for summary judgment seeking a determination as to the amount of business travel accident insurance owed […]

Ensure future financial security with life and accidental death insurance policies

Life insurance policies can provide future financial stability in the event of accidental death or dismemberment. A conversation about life or accidental death and dismemberment insurance may seem grim, but having the right insurance policies to provide financial security in the event of unforeseen and premature death is an essential part of any financial plan. […]

Is death resulting from autoerotic asphyxiation a self-inflicted injury?

Is death resulting from autoerotic asphyxiation gone wrong an accident or is coverage under an accidental death insurance policy precluded by the policy’s “self-inflicted injury” exclusion. A recent appellate court ruling overturned a lower court’s determination that the language of the exclusion is ambiguous and therefore had to be resolved in favor of the insured […]

Amputation cause is case law worth reading

Accidental death and dismemberment insurance frequently present fascinating issues, as illustrated by a recent ruling from the 9th U.S. Circuit Court of Appeals. In Dowdy v. Metropolitan Life Insurance Co., 2018 WL 2223722 (9th Cir. May 16, 2018). Tommy Dowdy required a below-the-knee amputation following injuries suffered in a car collision. Although such an amputation […]