Losing a loved one is a profound and life-altering experience. The impact is particularly challenging when the death, whether expected due to a prolonged battle with cancer or a lifelong health condition, is untimely. In the midst of grieving, the last thing any family wants to contend with is financial uncertainty, which is precisely why many families opt for life insurance policies.
Our team of attorneys is dedicated to assisting you in securing fair compensation when an insurance company unjustly denies your life insurance claim connected to the wrongful death of a loved one.
Wrongful death cases are often intricate, and insurance companies, unfortunately, are not above rejecting claims for families already grappling with grief. Even when the causes of death are well within policy coverage, insurance companies might still deny claims.
In such instances, our attorneys can guide you through filing a wrongful death lawsuit against those responsible for your loved one's demise, demonstrating to the insurance company that your claim is valid.
Maryland Life Insurance Denial Attorney
Initiate a free case evaluation at Rice, Murtha & Psoras by reaching out to our life insurance denial attorneys at (443) 234-0549.
Life Insurance Denials after Wrongful Death in Maryland: Numerous factors can lead to the denial of life insurance claims. When the claim is associated with the wrongful death of a loved one, grappling with a denial can be exceptionally challenging. Our life insurance denial attorneys are equipped to assist you in pursuing legal action against the party responsible for your loved one's passing and the insurance company for wrongfully denying your claim.
Life Insurance and Wrongful Death: While we rely on insurance companies for financial support during challenging times, their reluctance to pay out claims is well-known. This is especially true in wrongful death cases, where insurance companies are vigilant for any grounds to deny claims due to the suspicious circumstances involved.
Families often depend on life insurance for various reasons. Firstly, the deceased loved one might have been a significant contributor to the household income. Without that financial support, families may face challenges, making the life insurance claim crucial for maintaining financial stability.
Secondly, in cases of wrongful death, families find themselves dealing with both a denied life insurance claim and the complexities of a wrongful death lawsuit. Lawsuits are time-consuming and expensive, and families often heavily rely on life insurance claims during these trying times.
Seeking Compensation: Typically, the fact that a death resulted from another party's negligence or wrongful actions does not provide insurance companies with grounds to deny a claim.
If your life insurance claim for your loved one's death has been denied, and you suspect it is linked to the wrongful nature of the death, an attorney can assist you in taking legal action to secure compensation.
You may have a case against two entities. Firstly, we can help you file a wrongful death lawsuit against the individuals responsible for your loved one's death. Though such cases require time and effort, the potential damages and compensation are often significant. Additionally, multiple family members may be eligible beneficiaries in a wrongful death case.
Secondly, we can aid you in obtaining compensation from the insurance company. Even without a wrongful death lawsuit, the insurance company is obligated to fulfill the life insurance policy. If your claim is wrongfully denied, an attorney can guide you through the company's appeal process.
Sometimes, a simple mistake in denial can be swiftly rectified once brought to the company's attention. However, preparedness to file a lawsuit against the insurance company is crucial.
Reasons for Life Insurance Denial After Wrongful Death in Maryland: Insurance companies scrutinize life insurance claims related to wrongful deaths, often seeking reasons to deny them. If you find yourself in such a situation, consulting with an attorney is essential for addressing both the wrongful death and your interactions with the insurance company.
Common Reasons for Denial Related to Wrongful Death:
Involvement in Illegal Activities:
- Many wrongful deaths involve some form of illegal activity, often on the part of the individual causing the death. However, insurance companies may deny claims if they believe the deceased person was engaged in illegal activities at the time of their death. Proving to the insurance company that your loved one was not involved in any illegal activities is crucial.
- Unfortunately, insurance companies may refuse to pay out a life insurance claim if the deceased person's death is deemed a suicide. This becomes more challenging when the deceased had a history of mental health struggles. Even if evidence points to another party causing the death, the presence of mental health issues might lead to claim denial.
- Life insurance policies may be denied if the death is attributed to drug or alcohol use. For example, a family trying to claim the deceased person's life insurance after a car accident may face denial if the insurance company suspects intoxication at the time of the crash.
Challenging a Denied Insurance Claim: If your life insurance claim is denied, especially in connection to a wrongful death, our attorneys can guide you through the necessary steps to challenge the insurance company while simultaneously preparing for a wrongful death lawsuit.
File a Wrongful Death Lawsuit:
- While this lawsuit may not directly involve your insurance company, it is crucial for holding negligent parties accountable for your loved one's death. This action can also bolster your case regarding the denied life insurance policy, signaling to the insurance company that your loved one did not cause their own death and that accountability lies with someone else.
Suing the Insurance Company:
- Your life insurance policy is a contractual agreement with the insurance company. By denying your claim, they fail to uphold their end of the bargain. While initial steps like filing an appeal may be necessary, legal action, such as a lawsuit against the insurance company, may become imperative.
Actions After a Maryland Life Insurance Company Denies Your Claim: Filing a life insurance claim is never an easy process, particularly when done in the aftermath of losing a loved one. Discovering that the claim has been denied due to technicalities or policy-related issues adds further distress. If your life insurance claim has been denied, there are steps you can take, and our Maryland life insurance denial attorneys can provide assistance.
Appeal the Denial:
- Beneficiaries of a life insurance policy often have the option to appeal the denial. This involves contacting the insurance company and navigating their appeal processes to refute the reasons behind the denial. Providing documentation and evidence can be instrumental in overcoming the grounds for denial.
Negotiation with the Insurance Company:
- Engaging in negotiations with the insurance company is another avenue, even if there were legitimate issues with the claim leading to denial. Skilled negotiation by our attorneys may lead to a favorable resolution, securing the claim payout without resorting to more drastic measures like a lawsuit.
- If appeals and negotiations prove ineffective, our attorneys can initiate legal proceedings against the insurance company. A claim of bad faith insurance may prompt the company to reconsider the denial, particularly if they used false grounds. Legal action can seek to reverse denials and secure additional payments for damages.
Legal and Illegal Grounds for Insurance Denials in Maryland: A life insurance policy establishes a contractual relationship between the insured policyholder and the insurance company. It stipulates that upon the policyholder's demise, the company will pay benefits to the listed beneficiary or beneficiaries.
While insurance companies aim to maximize profits by receiving premiums, they may resist paying out benefits to minimize losses. However, many grounds for denials are either illegal or illegitimate. Our Maryland life insurance denial lawyers are adept at challenging such denials and assisting you in obtaining the compensation you deserve.
- Some policies may deny payment if the victim dies from injuries they caused themselves. This can include suicide or injuries resulting from the deceased's negligence. Overcoming such denials requires demonstrating that the death had other complications or was caused by someone else's actions.
- Insurance companies may refuse payment if they suspect gaps or problems in premium payments, constituting a breach of policy terms. Providing records of timely payments can serve as evidence to refute such claims.
Fraud or Misrepresentation:
- Insurers might deny claims if they discover undisclosed conditions that would have led to higher premiums. Accusations of fraud or misrepresentation may be based on illegitimate grounds, and our attorneys can help challenge such accusations.
- Insurance companies are obligated to act in good faith, making honest efforts to pay claims within policy terms. Operating in bad faith, which involves making up false grounds to deny a claim, can be contested through legal action. Lawsuits for bad faith insurance seek to reverse denials and secure additional payments for damages.
Contact Our Maryland Lawyer for Denied Life Insurance Claims: For a free legal consultation with our Maryland personal injury attorneys at Rice, Murtha & Psoras, call (301) 381-4617. We are committed to assisting you in navigating the complexities of denied life insurance claims, advocating for your rights, and pursuing the compensation you deserve.