Steps to Take after the Accidental Death of Your Spouse

February 14, 2020 | J. Price McNamara
Steps to Take after the Accidental Death of Your Spouse If your spouse unexpectedly passed away in an accident, and if he or she had an accidental death insurance policy in place at the time of death, then you may be eligible to make a claim under the policy. However, in order to enforce your rights under an insurance policy, there are several steps that you need to take, and there are several deadlines that might be applicable to your circumstances.  If you do not comply with the insurance company’s procedures and protocols, it is very likely that the claim will be denied. The experienced Texas accidental death insurance claims lawyers at the J. Price McNamara ERISA Insurance Claim Attorney can assist you throughout the claims process. In addition, if your accidental death claim is denied, our experienced legal team can assist you with appealing the claim denial and helping you to pursue the available policy benefits. Please contact us today for more information and to schedule a free case evaluation and legal consultation.

Filing a Claim

If your spouse recently passed away in an accident, such as a motor vehicle accident, slip and fall accident, drowning accident, or boating accident, you may be able to file a claim on his or her behalf under an accidental death policy. The first step in the claims process is to notify the insurance company of your spouse’s death. This typically has to be done in writing, depending upon the specific insurance company which provides the benefits. 

Internal Investigation

Once the insurance company receives notification of your spouse’s death, it may begin an internal investigation into the circumstances surrounding the accident leading to his or her death. This investigation may take several weeks and is done in order to ensure that the circumstances behind the insured’s death were truly accidental. These types of investigations are especially common in cases where the insurance policy is two years old or less. 

Claim Acceptance or Denial

Upon investigating an accidental death claim, the insurance company will make a decision about whether to accept or deny the claim. In the event the insurance company opts to accept the claim, the insurance company will issue a payout to you and any other designated beneficiary or beneficiaries under the policy.  In the event the insurance company decides to deny the claim, for whatever reason, you may then have the option of filing an administrative appeal with the insurance company and provide additional documentation about the accident in an attempt to change the insurance company’s stance on the claim. An experienced Texas accidental death insurance attorney can assist you during this process and help you pursue the policy benefits you need. 

Call an Experienced Texas Accidental Death Insurance Claims Lawyer Today

 At J. Price McNamara ERISA Insurance Claim Attorney, our legal team can assist you as you pursue benefits under an accidental death insurance policy. To schedule a free case evaluation and legal consultation with an experienced Texas accidental death insurance claims attorney, please contact us online today.
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J. Price McNamara

Attorney

Losing my own brother, then my father and sister after long, disabling illnesses just a few months apart drove a career change for me. Before that experience, I never truly understood the place you’re in. I never understood the dramatic impact that receiving (or not receiving) the disability and life insurance benefits you paid for and counted on can have on your life especially when you need to focus on family and healing. What I experienced with my own family now drives the way I view my clients and my work, and I will never forget it!

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