Is It Possible to Obtain Double Indemnity Benefits for My Car
Accident-Related Injury?
What Obstacles Can Arise in the Pursuit of Double Indemnity Claims?
The term "double indemnity" is a legal phrase commonly employed in life insurance and various
accident insurance policies. Essentially, double indemnity represents a category of life insurance
wherein the insurer commits to paying the beneficiary a sum up to twice the policy's face value
in the event of the policyholder's accidental demise. This can furnish bereaved families with
financial stability and additional advantages when confronted with an unforeseen loss. However,
it's imperative to recognize that not all insurance policies incorporate double indemnity
provisions. Therefore, it is advisable to engage in discussions with your insurance agent and
your personal injury attorney to scrutinize the particulars of your loved one's insurance
coverage.
What Constitutes an Accidental Demise?
In order for the designated beneficiary to be eligible for double indemnity benefits from the
deceased's insurance policy, it is essential to substantiate that the policyholder's passing was
the result of an accidental incident. It is worth noting that each insurance company may maintain
its distinct criteria for defining an accidental death, necessitating a thorough review of the policy
to confirm the encompassed circumstances. Nevertheless, in a broader sense, accidental death
is generally associated with intentional acts of violence or unforeseeable accidents traceable to
the negligence of another party.
Instances Typically Regarded as Accidental Death Encompass:
● Automobile accidents
● Slip and fall incidents
● Drowning occurrences
● Choking or suffocation
● Exposure to hazardous or fatal substances
● Medical malpractice
● Workplace accidents
● Homicide
● Specific categories of assault
The vast majority of insurance policies stipulate the provision of double indemnity benefits
solely if the demise transpired within a 365-day window subsequent to the incident. To validate
the accidental nature of the death, a direct connection to the incident is essential. Your legal
representative will employ a diverse array of evidentiary support to substantiate your claim,
establishing that the policyholder's demise directly resulted from the accident. Evidence
admissible in a claim encompasses:
● Police report
● Coroner's report
● Autopsy findings
● Toxicology assessments
● Medical records
● Testimonies from witnesses
● Expert opinions
A death certificate, even if it designates the death as an accident, is seldom sufficient as the
sole basis for a double indemnity claim. Your legal counsel will be obliged to furnish an
extensive array of documentation and may find it necessary to engage in protracted
negotiations on your behalf to achieve a favorable outcome for the claim. It is conceivable that a
fresh inquiry into the circumstances surrounding the death will be mandated for the insurance
company to assume liability and process the double indemnity benefit payment.
The process of successfully substantiating a double indemnity claim can extend over a span of
months, or even longer. Given the deeply personal and emotionally charged nature of such
personal injury claims, it is imperative to collaborate with a seasoned and highly regarded auto
injury law firm that has earned your trust.
Instances of Double Indemnity Claim Denial by Insurance Companies
Each double indemnity claim undergoes meticulous examination and is subject to individual
case assessment. Nonetheless, immediate denial may be the fate of certain double indemnity
claims if the circumstances of the death fail to align with the requisite accidental criteria or if
the initial submission lacks adequate substantiation. Some examples of situations in which
double indemnity claims may face rejection encompass deaths resulting from:
● Health problems, like cancer or heart failure.
● Demises occurring during surgical or medical procedures that do not entail medical
malpractice.
● Suicide, attempted suicide or self-inflicted lesions.
● Drug overdoses, unless evidence of medical malpractice exists.
● Negligence, such as the refusal to employ safety measures like seatbelts or life jackets.
● Deceases occurring during the pursuit or commission of a felony.
● High risk participation in activities, like bungee jumping or skydiving.
● Cases in which the beneficiary was responsible for the policyholder's death.
It is crucial to acknowledge that insurance companies operate as profit-seeking corporations,
driven to safeguard their financial interests. Consequently, they diligently employ various
strategies to curtail liability, enabling them to reject or curtail the compensation for claims. Prior
to committing to a new insurance policy, it is imperative to ensure a comprehensive
comprehension of the policy's language and terms. Frequently, policy verbiage can be artfully
manipulated to diminish liability, potentially resulting in beneficiaries receiving a lower quantum
of benefits than initially anticipated.
What Steps to Take When Your Double Indemnity Claim Faces Denial
The process of asserting insurance claims can be inherently intricate, with double indemnity
claims representing a particularly formidable challenge, notably in intricate scenarios like
medical malpractice or car accidents. In such instances, it is foreseeable that a legal battle will
ensue, as the insurance entity strives to undermine your evidence and constrict its liability.
During such adversarial situations, the guidance of a personal injury attorney can prove
invaluable. An accomplished legal advocate not only possesses an extensive comprehension of
insurance company strategies but can also construct a robust case on your behalf and leverage
their adept negotiation skills to your advantage. Your attorney can also provide clarity regarding
the anticipated proceedings as they amass evidence and articulate compelling arguments
designed to facilitate your access to the insurance benefits rightfully due to you.
Seeking Information on Pursuing Double Indemnity Claims Following a Nevada Car Accident?
If you are seeking to obtain double indemnity benefits or require assistance with your claim,
especially in instances of claim denial, consider reaching out to experienced legal professionals
well-versed in this field. These professionals can diligently assemble a compelling case, gather
essential evidence, formulate persuasive arguments, and engage in negotiations on your behalf,
all in pursuit of the benefits to which you may be rightfully entitled.
It's noteworthy that their expertise extends to providing support to individuals dealing with
wrongful death situations stemming from car accidents and other tragic occurrences. To gain a
deeper understanding of your legal options, consulting with a professional will be your best
option.
Benson & Bingham Accident Injury Lawyers, LLC
626 S 10th St
Las Vegas, NV 89101
(702) 382-9797
info@bensonbingham.com
https://www.bensonbingham.com/