Navigating Accidental Death Insurance Claims in Florida: What Beneficiaries Should Know

At Disability Insurance Law Group, our Florida and nationwide accidental death claims attorneys know an accidental death, as defined by insurance providers, typically refers to a death that occurs as a result of an unforeseen and unintentional event.

Insurance policies often have specific criteria or definitions for what constitutes an accidental death, depending on the company and the policy language. While professions and industries where employees are exposed to higher levels of risk or hazards—like construction, manufacturing, transportation, agriculture, and public safety, to name a few—are more likely to carry accidental death policies, it is their beneficiaries who must navigate the policy requirements once they are gone.

We, at Disability Insurance Law Group, are here to provide the necessary support and guidance to help you through this process.

What Will Beneficiaries Have to Prove to Pursue Benefits from an Accidental Death Insurance Policy?

The insurance policy plays a crucial role for whoever is listed as the beneficiary of the Accidental Death & Dismemberment, or AD&D. They will receive the proceeds of the coverage should an individual lose their life during a covered accident. However, beneficiaries also have the responsibility to prove several vital elements to pursue benefits from an accidental death insurance policy and establish their claim.

While the specific requirements can vary depending on the policy terms and the insurance company, here are some common factors that beneficiaries may need to demonstrate:

• Coverage Under the Policy

Beneficiaries must establish that the insured was covered under the accidental death insurance policy at the time of the accident. This typically involves proof of the policy’s existence, such as a copy of the insurance contract or policy documents, and that it was in good standing.

• Timely Notification and Compliance

Beneficiaries must notify the insurance company promptly following the insured’s death and comply with any procedural requirements outlined in the policy, such as filing a claim within a specified time frame and providing requested documentation.

• Cause of Death

Beneficiaries typically need to prove that the insured’s death resulted from an accident, as defined by the insurance policy. This may involve providing evidence, such as a death certificate, medical reports, or autopsy results, to show that an unexpected and unintentional event caused the death.

• Accidental Nature of the Event

Beneficiaries may need to demonstrate that the accident was unforeseen and unintentional. This could involve details about the accident’s circumstances, witness statements, police reports, or other documentation supporting the event’s accidental nature.

Beneficiaries should be aware of any policy exclusions or limitations that could affect their claims. For example, some policies may exclude coverage for deaths resulting from certain activities or pre-existing medical conditions.

Unfortunately, insurers often require beneficiaries to demonstrate that the death falls within the policy’s stringent coverage parameters directly after they lose their loved one. This can lead to unintentional mistakes and emotional responses that jeopardize their claims.

We can take the lead from the start of your claim so you can focus on grieving with your family, not fighting with the insurance company.

Contact Our Skilled Accidental Death Insurance Claims Attorneys Today

Contact our skilled accidental death insurance claims attorneys in Florida and nationwide today by calling (954)-989-9000 or online to schedule a free and confidential case assessment. We can put our over 50 years of combined experience to work for you.