What To Do When Your Own AD&D Insurance Lets You Down?
If you make an AD&D claim that is denied by the insurance carrier, you have to file a lawsuit. Kansas City insurance bad faith attorneys are ready to help if you are struggling to secure compensation.
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What To Do When Your Own AD&D Insurance Lets You Down?

Feb 25, 2020 Peddicord & Townsend LLC

When people get life insurance or other types of insurance coverage, they want to ensure they can have peace of mind that they will be taken care of if anything happens. An additional type of insurance some people choose to get is called accidental death and dismemberment insurance (AD&D). However, there are times when insurance carriers refused to pay a settlement when an appropriate claim is made. At Peddicord & Townsend LLC, our Kansas City insurance bad faith attorneys are ready to help if you are struggling to secure compensation for an AD&D claim.

What is AD&D insurance?

Accidental death and dismemberment insurance (AD&D) is usually a rider attached to a health insurance or life insurance policy. As the name suggests, this rider will cover unintentional death or dismemberment costs that arise for the person who is insured. Accidental death benefits are typically paid to surviving family members. Dismemberment benefits include compensation for:

  • the loss of body parts
  • the loss of use of body parts or functions

Bad faith insurance claims for AD&D

Just like any other insurance policy, insurance carriers have a duty to pay out a settlement when a legitimate claim is made by the insured person. However, there are times when an insurance carrier wrongfully denies a claim, fails to properly investigate an incident or fails to defend the insured when a claim is made.

If you or a loved one make an AD&D claim that is denied by the insurance carrier, you may have to file a lawsuit in order to recover the compensation you are entitled to. The first step to take is to secure an attorney who can review your policy and ensure that you should indeed be covered for the claim.

Your attorney will examine your case and file a demand letter with the insurance carrier requesting prompt payment for the claim. If the insurance carrier still denies a claim, it may be necessary to file a complaint with the Missouri Department of Insurance. The claim will likely then move to mediation where both sides will work to come to a resolution.

However, if a claim is still not settled, it may be necessary to file a bad faith insurance lawsuit against the insurance carrier. Your attorney will have a thorough understanding of this process and handle your entire case for you.

We are here to help you through this

If you or someone you know has made a claim on their AD&D insurance, but that claim has been denied or delayed, seek legal assistance as soon as possible. At Peddicord & Townsend LLC, our qualified and experienced team thoroughly understands Missouri insurance laws. We will investigate your case and work to ensure you receive the compensation you are entitled to. This can include the rightful coverage you should receive for your claim based on your policy. We will also pursue punitive damages against your insurance carrier. When you need a Kansas City insurance bad faith attorney, you can contact us for a free consultation by clicking here or calling us at 816-842-3200.

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