Accidents happen every day. Nobody can predict when an accident may happen. However, even if you cannot predict when the accident may happen, you may at least prepare for it.
In the United States, accidents are the third leading cause of death. For people between the age of 25 to 44, it is often the cause of death. Of course, this is why it makes sense to have a comprehensive insurance policy that could cover your needs, or your family’s needs when an accident happens.
Here at Haque Legal, it is our goal to make sure that you have the protection you need in times of trouble. What is Accidental Death and Dismemberment Insurance? What are the things that you should know about this kind of insurance?
What is Accidental Death and Dismemberment Insurance?
Accidental Death and Dismemberment Insurance is the insurance coverage that is perfect for those that need to get coverage for death due to an accident. Generally, when you are in an accident, it is the Accidental Death and Dismemberment Insurance that would pay for the losses.
Contact our Southfield wrongful death attorneys to learn more about this process.
Who gets the benefits?
In case of death, it is the beneficiaries who will receive a lump-sum payment in case a person dies from an accident. If the owner of the policy is alive, he can receive living benefits. The type of benefits depends primarily on the type of injury.
What is covered by Accidental Death and Dismemberment Insurance?
The Accidental Death and Dismemberment Insurance covers deaths and dismemberments coming from accidents. The policy coverage includes death or injuries from accidents at work, those at home, or while traveling.
Some policies also cover death that is the result of an accident while traveling on public transportation.
Does the coverage include death that is not instant?
This is a contentious part of the coverage of policies. Most cases that are in court that are related to claims of Accidental Death and Dismemberment Insurance are related to when the deceased passed and the proximate cause of the death of the deceased. To be covered under the Accidental Death and Dismemberment Insurance, it does not have to be instant death but the accident must be the proximate cause of the death of the policyholder.
What are the acts that are not covered by the Accidental Death and Dismemberment Insurance?
The Accidental Death and Dismemberment Insurance does not cover any of the following acts:
- Death caused by drug overdose;
- Death under the own arms of the individual policyholder or suicide;
- The injury that is incurred before the subsistence of the coverage;
- Death or injury while driving under the influence of alcohol;
- Death or injury that is the direct effect of committing a crime;
- Injuries sustained while in the armed forces; and
- Death or injury that is self-inflicted.
How do I file for the Accidental Death & Dismemberment Insurance?
Filing for Accidental Death & Dismemberment Insurance depends on the process that is approved by the insurance provider. There are some instances when your application for Accidental Death & Dismemberment Insurance may get denied by the person who is assessing the application.
In cases of denial, you can get Haque Legal to help you with your claims. We have already explored hundreds of cases and have handled denied Accidental Death & Dismemberment Insurance claims in practice. We have a set of defenses that may apply to you but we also want to hear your side of the story. Let us help you out.
What do I do if I want to dispute the findings of my insurance company?
If you are lucky enough to be alive after an accident and you are facing your insurance company, you need to be able to fight for your rights. To do so, you can file a complaint with
the Department of Insurance and Financial Services (DIFS) if you are in a dispute with an
insurer or insurance agent.
The following are some of the steps that you should take in case of a problem with your claims:
Get Yourself a Good Lawyer
Here at Haque Legal, our Southfield personal injury lawyers always tell potential clients that the best thing that they can do in case of a dispute is to get themself a good lawyer at the beginning of the proceedings. Even when you are just filling up forms or when you think that you already have a dispute, you can always get yourself a good lawyer to get started with the process.
The first great thing that you can do is to make sure that you have a good guide when it comes to dealing with the legalities of your claim.
Contact Your Insurance Company
Once you have settled on the idea that you have to fight for your rights, you should let the insurance company know of the steps that you will take. Your insurance company should be informed of the proceedings and what will happen. By contacting your insurance company, you will have what you need in terms of their decision and see if they just need a little nudge in the right direction.
If the answer of the insurance company is still no, then you need to make sure that you will get going with your complaint.
A lawyer can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.
The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.
Let us help you out.
If you are having trouble with filing an insurance claim, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call.
The post Everything You Need To Know About The Accidental Death & Dismemberment Insurance in Michigan appeared first on Haque Legal.