FOLSOM, Calif. - Jan. 30, 2026 - PRLog -- The new website, AccidentalDeathClaimHelp.com is an educational and advocacy resource designed to help beneficiaries navigate the complex process of filing and winning Accidental Death & Dismemberment (AD&D) insurance claims.
The site is authored by insurance claim expert, Stephen C. Burgess, who specializes in challenging insurance companies that deny or delay payouts. Its primary mission is to level the playing field between individual claimants and large insurers.
The website serves as a specialized toolkit for beneficiaries who are struggling with the difficulty of getting insurers to payout on accidental death claims.
Key Areas of Focus:
- Navigating the Claim Process: The site provides a step-by-step guide on how to prepare a "clean" claim to ensure it pays out quickly. This includes advice on gathering medical records, incident reports, and toxicology results.
- Overcoming Denials: A significant portion of the content focuses on why claims are denied—such as drug overdoses, "excessive speed" in car accidents, or pre-existing medical conditions—and provides strategies to fight these denials.
- Policy Exclusions: The website explains common "hidden" exclusions in AD&D policies (like suicide clauses or medical mishaps) and how to prove that a death or injury should still be covered.
- The "Claimant vs. Insurer" Dynamic: The site emphasizes that insurance companies often look for reasons to deny claims to stay profitable, and it offers practical tools, like sample cover letters and evidence checklists, to help claimants protect their rights.
- Dismemberment Claims: Beyond death benefits, it also covers claims for the loss of limbs, sight, or hearing, explaining the specific definitions and "loss of use" requirements needed for a payout.
- Specific Case Guidance: Information on how to handle unique situations, such as drowning vs. suicide investigations or accidents involving self-driving vehicles (like Tesla).
- Expert Consultation: The site offers the services of a claim specialist who can negotiate directly with insurance companies as an alternative to hiring a lawyer for litigation.
Accidental death insurance remains one of the most difficult types of insurances to collect on. The public will greatly benefit by having this new resource which educates and offers practical guidance for getting through a claim investigation.
Coming soon:
Life Insurance Claim Help
Critical Illness Claim Help
Appeal Denied Life Insurance Claims and Win
Photos: (Click photo to enlarge)
Source: The Center for Life Insurance Disputes
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