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Our mission is Legal Investigations and Expert Consultations of Personal Injury, Negligence & Death for Civil, Criminal and Probate pre- and active litigation for Attorneys; and assisting Professional Investigators; and helping Families with the unexpected and questioned death of a loved one.
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Death of a spouse is tragic. Being erroneously denied life insurance benefits an injustice!
Our agency obtained and reviewed all the evidence - which won an appeal.
Learn what our client had to say about this case - Interpleader Law Recommendation Letter 05-05-2020
Over $1 Million in Life Insurance Benefits - Denied and Won on Appeal - because there was no decedent negligence!
(Expert Consultation)
Our agency was retained to obtain records, reports, photographs, and records from the official investigating agencies, and provide an expert case review and consultation for to file an appeal direct to the insurance company to appeal their decision denying benefits to the widow.
The decedent was found at home after having bled to death from a hand injury. The claim was denied based on the insurance company review of only the autopsy report, and making a determination the decedent was negligent due to alcohol intoxication.
The findings from the forensic autopsy were originally Suicide and Cause of Death due to stab / incised wounds of the right hand, and intoxicated. The Manner of Death was changed from Suicide to Accident before the claim was filed and denied.
There were serious issues with the investigation and evidence - first of which the insurance company did not request or review any scene or autopsy photographs, or any law enforcement reports. They did not interview the widow, who was the beneficiary.
We completed our requests, then independently reviewed these materials and submitted our report. The insurance denial theory included due to specific exclusionary actions on the part of the decedent. In their findings, we concluded, in part, “The decedent’s death was an Accident due to a domestic mishap of accidental trauma from a stab wound to the right hand, incising the ulnar artery, resulting in hypovolemic shock and exsanguination. Specifically, a single incised wound of the right palm heel, incising the ulnar artery. The first bloodletting from this injury was at the kitchen sink and immediate counter area.” and “There were no findings at autopsy or scene investigation indicating the decedent was involved or engaged in any at risk, dangerous, illicit, or unusual behavior and activity.”
Following submission of the appeal with report, the insurance company referred their findings to an expert forensic pathologist. A few weeks later, the insurer reversed its denial decision and agreed to pay full benefits exceeding $1 million. As noted by the attorney, our "...expert protocols, analysis, and review saved us valuable time and resulted in a great outcome for our client. Our appeal was heavily dependent on the expert research, review, analysis and report of the Beers, as experts in the field of medicolegal investigation and analysis."
Learn what our client had to say about this case - Interpleader Law Recommendation Letter 05-05-2020
(Expert Consultation)
Our agency was retained to obtain records, reports, photographs, and records from the official investigating agencies, and provide an expert case review and consultation for to file an appeal direct to the insurance company to appeal their decision denying benefits to the widow.
The decedent was found at home after having bled to death from a hand injury. The claim was denied based on the insurance company review of only the autopsy report, and making a determination the decedent was negligent due to alcohol intoxication.
The findings from the forensic autopsy were originally Suicide and Cause of Death due to stab / incised wounds of the right hand, and intoxicated. The Manner of Death was changed from Suicide to Accident before the claim was filed and denied.
There were serious issues with the investigation and evidence - first of which the insurance company did not request or review any scene or autopsy photographs, or any law enforcement reports. They did not interview the widow, who was the beneficiary.
We completed our requests, then independently reviewed these materials and submitted our report. The insurance denial theory included due to specific exclusionary actions on the part of the decedent. In their findings, we concluded, in part, “The decedent’s death was an Accident due to a domestic mishap of accidental trauma from a stab wound to the right hand, incising the ulnar artery, resulting in hypovolemic shock and exsanguination. Specifically, a single incised wound of the right palm heel, incising the ulnar artery. The first bloodletting from this injury was at the kitchen sink and immediate counter area.” and “There were no findings at autopsy or scene investigation indicating the decedent was involved or engaged in any at risk, dangerous, illicit, or unusual behavior and activity.”
Following submission of the appeal with report, the insurance company referred their findings to an expert forensic pathologist. A few weeks later, the insurer reversed its denial decision and agreed to pay full benefits exceeding $1 million. As noted by the attorney, our "...expert protocols, analysis, and review saved us valuable time and resulted in a great outcome for our client. Our appeal was heavily dependent on the expert research, review, analysis and report of the Beers, as experts in the field of medicolegal investigation and analysis."
Learn what our client had to say about this case - Interpleader Law Recommendation Letter 05-05-2020