Life insurance companies like to deny accidental death and dismemberment claims. Luckily our top life insurance law firm fights life insurance claim denials. Examples of AD&D claims which have been denied below:
- A claim for loss of hearing due to exposure to loud noise at work, which was not covered by the policy as an occupational hazard.
- Loss of a leg due to a blood clot, which was not caused by an external force or trauma.
- Paralysis due to a stroke, which was not considered an accidental bodily injury.
- A claim for loss of speech due to a brain tumor, which was not caused by an accident.
- Loss of a hand due to a firework explosion, which was excluded by the policy as a self-inflicted injury.
- A claim for loss of sight in both eyes due to diabetes, which was not caused by an accident.
- Loss of a foot due to frostbite, which was excluded by the policy as a result of exposure to natural elements.
- A claim for loss of a limb due to a motorcycle accident, which was excluded by the policy as a result of operating a motor vehicle without a valid license.
- Loss of hearing due to an ear infection, which was not caused by an accident.
- A claim for loss of sight in one eye due to a laser pointer, which was excluded by the policy as a result of intentional misconduct.
- Loss of a foot due to a snake bite, which was excluded by the policy as an animal-inflicted injury.
- Paralysis due to a spinal cord injury, which was not caused by an external force or trauma.
- A claim for loss of speech due to a vocal cord surgery complication, which was not considered an accident.
- Loss of a hand due to a chainsaw accident, which was excluded by the policy as a result of using power tools.
- A claim for loss of sight in both eyes due to glaucoma, which was not caused by an accident.
- Loss of a limb due to a landmine explosion, which was excluded by the policy as a result of war or terrorism.
- A claim for loss of hearing due to prolonged exposure to loud music, which was excluded by the policy as a self-inflicted injury.
- Loss of a leg due to a congenital birth defect, which was not considered an accidental bodily injury.
- Paralysis due to a pre-existing medical condition, which was not caused by an accident.
- A claim for loss of speech due to a neurological disorder, which was not caused by an accident.
- Loss of a hand due to a work-related repetitive stress injury, which was not covered by the policy as an occupational hazard.
- A claim for loss of sight in both eyes due to age-related macular degeneration, which was not caused by an accident.
- Loss of a foot due to a fall at home, which was excluded by the policy as a result of a non-accidental injury.
- A claim for loss of a limb due to a skiing accident, which was excluded by the policy as a result of engaging in high-risk activities.
- Loss of hearing due to a genetic condition, which was not caused by an accident.
- A claim for loss of sight in one eye due to cataracts, which was excluded by the policy as a result of a natural aging process.
Our top life insurance lawyers fight denied AD&D claims and win!