Our life insurance law firm is happy to announce a $218,000 denied life insurance claim successfully resolved.
Would a high blood alcohol content in an autopsy report be a basis for a life insurance claim denial?
Whether a high blood alcohol content (BAC) could be a basis for the denial of a life insurance claim would depend on the specific terms and conditions of the life insurance policy.
Most life insurance policies have a contestability period, typically two years from the date of issuance, during which the insurance company can contest a claim based on material misrepresentations or omissions made on the application. If the policyholder misrepresented their alcohol consumption or failed to disclose a history of alcohol abuse on their application, and the high BAC was a contributing factor to their death, the insurance company may have grounds to deny the claim.
However, if the policyholder did not misrepresent or omit any information on their application, and the high BAC was not a contributing factor to their death, then the insurance company would not have a valid basis to deny the claim.
If an insurance company denies a claim based on a high BAC, the policyholder or their beneficiaries may contest the denial by providing evidence that the high BAC was not a contributing factor to the insured's death or that the policyholder did not misrepresent or omit any information on their application. This evidence may include medical records, toxicology reports, witness statements, or expert testimony. It may be helpful to seek the assistance of an attorney who specializes in insurance law to navigate the claims process and contest the denial.
Our life insurance lawyers will fight any denied claim and win!