What Is Double Indemnity In Seattle?

Colburn Law

Posted in Blog on March 22, 2024

The loss of a loved one is one of the most difficult experiences that a person can face. The impact can extend far beyond the feelings of grief; if you had relied on your loved one for financial support, you could face significant hardships as well.

Double indemnity refers to a clause in some insurance policies that doubles the payout in the event of an accidental death. This provision can be crucial for beneficiaries who suddenly find themselves facing unexpected financial burdens due to the loss of a loved one. However, these clauses have many provisions that can complicate the claims process.

Examples of Accidental Death under Insurance Policy Guidelines

Many insurance policies include strict, well-defined rules on what qualifies as a wrongful death. Depending on the terms of the policy, you may qualify for a double indemnity claim if your loved one passed away as the result of an unexpected event, an act of violence, or another person’s negligent actions. Some examples include:

• Slips and falls
• Car accidents
• Workplace accidents
• Incidents of medical malpractice
• Crimes such as murder or assault
• Exposure to harmful substances
• Accidents involving defective products

How Do You Pursue a Double Indemnity Claim?

Pursuing a double indemnity claim involves navigating complex insurance policies and legal guidelines.  To initiate the claim process, it is important to file the claim in a timely manner—usually within one year from the date of your loved one’s death or the incident that led to their death. Insurers will require detailed evidence to process the claim, such as the death certificate, police report, eyewitness statements, medical records, toxicology, and coroner’s reports.

During the insurance claims process, the representative will assess this evidence and determine whether or not your loved one’s death qualifies as accidental under the terms of the policy. If your claim is approved, you can negotiate a settlement with the assistance of an attorney. If your claim is denied, you have the right to appeal the decision.

Could an Insurance Company Deny a Double Indemnity Claim?

Insurance companies may deny double indemnity claims for several reasons. For example, if the death resulted from a pre-existing medical condition, an overdose caused by illegal recreational drugs, suicide, extreme activities, or a crime committed by the beneficiary, the claim will likely be denied. Additionally, if the death was caused by the decedent’s own negligence, the claim is not likely to be successful.

Double indemnity claim denials often stem from insurers’ efforts to avoid large payouts and protect their bottom lines, often relying on specific exclusions to justify their decisions. An attorney can help you assess whether the denial is valid based on the terms of your policy and, if possible, negotiate with the insurer to help reverse the decision.

Speak with a Seattle Personal Injury Lawyer About Your Claim

If you have lost a loved one and believe that you qualify for a double indemnity claim, a Seattle personal injury lawyer can provide valuable guidance. A Seattle personal injury attorney specializing in these claims can assess your case, determine your eligibility, and craft a compelling case to prove your family’s right to fair compensation.

They can also gather evidence and negotiate with the insurer on your behalf, ensuring that your rights are protected. To learn more about how an attorney can help, schedule a free legal consultation and take your first steps toward justice.