Accident Vs. Sickness Claims: Trickier Than You Think

Law360, New York (November 7, 2012, 2:56 PM EST) -- In coverage disputes involving a variety of insurance policies, the determination of whether the claim resulted from an accident or a sickness can be significant. In fact, that issue often takes center stage when the insurance policy provides a higher level of benefits for claims resulting from an accident or an accidental occurrence.

For example, some life insurance policies provide double indemnity coverage (i.e., pay twice the policy’s face amount) for death due to “accidental means,” and certain disability insurance policies provide a longer duration of...
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