Accidental Death in GA

An accidental death in Georgia is generally defined as a death that results from an unusual event, most likely not anticipated by anyone involved. Special life insurance policies are often purchased to provide benefits for an accidental loss. They often cover loss of limbs as well.

Other times, insurance policies may have riders added to cover accidental death. These riders often pay twice the amount of the policy benefit in the event that death occurs from accidental causes. The end result is similar to collecting for both a standard life insurance policy and a separate accidental death policy.

Some reasons for denial of a claim

The first step in collecting for a GA accidental death often involves the beneficiary filing a claim with the insurance company that issued the accidental death policy. Although a simple insurance claim may be enough to collect for the full value of the policy, the insurance company may reduce or deny benefits for a variety of valid or invalid reasons:

• A valid reason might be if the beneficiary murdered the person who was covered by the policy. But, even if the insurance company denies the claim for this reason, the denial can be invalid if murder was not proven in court.
• Insurance coverage was not maintained between the time of the accident and death. Since there may be valid reasons, such as the inability of a policyholder to send a premium payment due to severe injury, a skilled attorney can often fight the denial through a GA accidental death lawsuit.
• The cause of death is not covered under the terms of the accidental death policy. Again, experienced attorneys can review the policy language and often help collect through an accidental death lawsuit in GA. Often, a rider may exist that stipulates a waiver of future premiums in the event the insured becomes disabled.

You need experienced legal guidance

In the event that you are the beneficiary of an accidental death policy, and if your claim is denied or reduced by the insurance company, you should contact an experienced GA wrongful death attorney to review your case and advise you of your legal options. For an honest, compassionate attorney who can assist you with your accidental death matter, contact the Law Office of Jonathan W. Johnson, LLC today to schedule a free initial consultation.