Insurance Companies that
We Have Won Against

Accidental Death And Dismemberment Lawyer

accidental death and dismemberment lawyer
Michael B. Horrow, Founder

If your accidental death and dismemberment insurance claim was unfairly denied or delayed, our Los Angeles area insurance bad faith lawyers may be able to help you get benefits you may be entitled to receive. Our firm is skilled at litigating complex cases involving insurance disputes with a special focus on insurance bad faith claims. Contact our law firm today to discuss your specific case. We serve clients in the Los Angeles area and throughout all of Southern and Northern California.

If you have a loved one who has died or been dismembered as a result of an unforeseen accident – you may be covered by an Accidental Death and Dismemberment insurance policy. If you’ve filed your claim and been denied, don’t stop there. You may still be able to recover from the insurance company if you’ve been wrongfully denied. Our attorneys have more than 50 years of experience collectively fighting insurance companies and recovering accidental death and dismemberment insurance proceeds rightfully owed to our clients. Don’t give up because the insurance company said no. We understand that you’ve lost a loved one, or had a loved one seriously injured, and may be counting on these insurance proceeds to pay your bills and support yourself. We can handle the insurance company while you focus on grieving or supporting your injured loved one.

Does My Accident Qualify?

Accidental Death and Dismemberment (AD&D) insurance is unique. Many clients come to us expecting it to work like life insurance – but it does not. Benefits will not be paid if your loved one dies of natural causes. While that may be covered by a life insurance policy, it’s important to differentiate between the two types on insurance policies. Accidental Death and Dismemberment insurance is only applicable if the death or dismemberment is the result of an accident – car accident, truck accident, slip and fall, motorcycle accident, etc. The accident must be unforeseen for this insurance policy to apply and proceeds to be paid.

What does my AD&D policy cover?

Accidental death and dismemberment insurance policies cover more than just death – as you may be able to tell from the name of it, this type of insurance can also cover dismemberment. Depending on your policy, dismemberment may include more than the loss of a limb – it may include loss of speech, hearing or vision as well. If you’ve been denied because the insurance company says there was no dismemberment, it may be worth a second review of your policy to determine if you were wrongfully denied.

Insurance companies are experts at creating and finding loopholes to deny claims in bad faith. Our attorneys, however, are experienced in closing loopholes in accidental death and dismemberment insurance cases. Our experience is unique – our team of attorneys includes former insurance defense lawyers. We’ve been on the other side of these cases and have seen firsthand how insurance companies will use these loopholes. Because of that, we’re prepared for them and know what to do. Some examples of these loopholes include:

  • Denying a claim because the event does not fall under the policy’s definition of an accident
  • Denying a claim because the accident is excluded under the policy

Insurance companies know that you are grieving and going through a lot right now. They are hopeful that you will be exhausted and simply accept the denial and move on. Don’t let the insurance company take advantage of your situation. We will handle the insurance company so you don’t have to. You deserve the money you are owed – don’t let a big insurance company bully you. We have the experience to stand up to the insurance company and fight for the proceeds you deserve.

With more than 50 years of combined experience, we have been helping victims of unfair insurance practices throughout California. Our attorneys know how to fight back against the insurance company to get what you deserve. While our goal is to obtain proceeds for you as soon as possible through a quick, fair settlement, we are prepared and have the resources necessary to take the insurance company to court. All of our cases are taken on a contingency basis – you pay nothing unless and until we win your case and recover proceeds on your behalf.

Call us today at 877-664-5407 for your case evaluation and consultation with one of our California accidental death and dismemberment denied insurance claim attorneys. We want to help you recover both financially and emotionally from this difficult time.

“Dear Michael,

I just wanted to take a minute and express my sincerest thanks and appreciation for all the hard work and knowledge you put into my case. I had given up any hope of receiving any settlement from my accidental death and dismemberment policy before we met. I am still amazed at how fast and efficiently you handled my case. I expected a long, drawn out process if we were going to reach any settlement, but much to my surprise the whole issue was settled in well under a year. I am very thankful for the out of court settlement you were able to reach.

I would also like to show my thanks to the staff at Donahue & Horrow LLP that I worked with. Primarily, Molly Weiss and before her, Rosa Padilla [they] were both very helpful, kind, and professional with any questions or assistance I needed.” — JK