Usually life insurance claims are not denied solely based on an animal attack, but there are many exceptions. Here are a few examples where a life insurance claim may be denied due to an animal attack:
- Policy Exclusion: Some life insurance policies may have specific exclusions related to animal attacks. If the policy contains a provision excluding coverage for deaths resulting from animal attacks, the claim could be denied based on that exclusion.
- Intentional Acts: If the insured intentionally provoked or engaged in behavior that led to the animal attack, the insurance company might argue that the death was a result of intentional acts and deny the claim based on policy provisions related to self-inflicted harm or intentional acts.
- Illegal Activities: If the insured was involved in illegal activities at the time of the animal attack, the insurance company may deny the claim based on policy provisions that exclude coverage for deaths resulting from illegal activities.
- Misrepresentation or Fraud: If the insured provided false information or misrepresented their activities or encounters with animals during the application process, the insurance company could deny the claim based on grounds of misrepresentation or fraud.
- Contestability Period: During the contestability period, which is usually the first two years of the policy, insurance companies have the right to investigate the application and gather evidence to verify the accuracy of the information provided. If it is discovered that the insured concealed information related to a previous animal attack during the contestability period, the claim could be denied.
Some Animal Attack Life Insurance Denial Cases
- Bear attack hunter in Alaska
- Lion attack zookeeper in California
- Cougar attack jogger in Colorado
- Gator attack golfer in Florida
- Snake bite hiker in Arizona
- Shark attack surfer in Hawaii
- Dog bite death of mailman in Texas
- Monkey attack tourist India
- Crocodile attack fishing in Australia
Our top life insurance lawyers resolved some animal attack cases from insurers including: USAA Life; Nassau Life; Baltimore Life; and Liberty Mutual Life.
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