Accidental death and dismemberment (AD&D) insurance protects policy holders from catastrophic financial loss in the event of an accidental death or loss of limb, eyesight or hearing. It is also referred to as “double indemnity” insurance. Often, these cases test the meaning of an “accident” and require plaintiff attorneys to defeat a variety of policy defenses. Marcus has handled both employer-sponsored (ERISA) and individually purchased insurance AD&D claims.