Last month, my mother had an accident where she fell backwards, bumped her head very hard. A large blot formed that eventually took her life. The death certificate has ruled her cause of death as "ACCIDENT." My question is will i have problems with her whole life insurance policy paying the claim as an "accident?"
I would think not, whether or not it was an accidental death policy. If you have difficulty, contact one of the lawyers on AVVO for free advice on how to proceed.
Was my answer "HELPFUL" and/or a "BEST ANSWER?" I appreciate you for noting same. Thank you. The information contained herein is not to be construed as legal advice. The questioner should seek independent legal advice from a qualified attorney after establishing a proper business relationship. Forrest Welmaker is Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization. No attorney fees unless a recovery is made. Doctor referrals are usually available.
A lot depends on whether this is a life insurance policy or an accidental death policy. If it's life insurance, there should not be any problem. If it's an accidental death policy, it will depend on the wording of the policy. Life insurance policies are regulated by the Tex. Ins. Code pretty heavily. Not so much with accidental death policies.
I assume that you had an AD&D policy. The insurance company will try to argue that it was a medical event and not an accident, but a life insurance attorney can fight it.
No, the problem would be suicide. Make the claim and be sure to read that policy over a couple of times.
Advice given in this forum does not create an attorney - client relationship. No advice should be relied on without consulting with a local attorney.
I'm sorry for your loss. Depending on how and where the fall happened, an attorney may be able to help you recover if there was some negligence that contributed to the fall. I would suggest going over the details of the fall with an injury attorney.
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