Utah's Premier Accident Attorneys — Call now for a FREE Consultation.
Utah's Premier Accident Attorneys — Call now for a FREE Consultation.
Accidental Death & Dismemberment
How AD&D Benefits Work
Accidental death and dismemberment benefits are meant to help ease the financial burden of a sudden loss or injury. In the event of an accidental death covered under a policy, the insurer may owe a benefit to the deceased’s family or designated beneficiaries. In cases of dismemberment — such as loss of a limb or other serious bodily impairment — the policy will often pay a serious injury benefit according to a set schedule defined in the insurance contract.
However, insurance companies frequently deny or undervalue AD&D claims — often based on narrow interpretations of policy language or exclusion clauses. Common exclusions include deaths or injuries resulting from natural causes, self-inflicted harm, drug or alcohol intoxication, or other specific circumstances outlined in the policy.
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“I have felt very well taken care of in my case and represented well. Tyler has been very good at communicating with me and helping me get the care I need.”
— Emily Soulier
“Every time I called or went in to their office I felt I was treated like family.”
— Christiana K
Denied Accidental Death Insurance Claim?
We Can Help.
Losing a loved one or suffering a life-altering injury in an accident is overwhelming on its own. When an accidental death and dismemberment (AD&D) insurance claim is denied, it can create unexpected financial stress during an already difficult time. AD&D insurance claims are different from personal injury cases. These claims often arise when a life insurance or accidental death insurance company refuses to pay benefits after an accidental death or serious injury.
Insurance companies commonly deny AD&D claims by arguing:
- The death was not truly “accidental”
- The injury does not qualify for AD&D benefits
- A policy exclusion applies
Accidental death insurance benefits are meant to provide financial support after a covered accidental death or dismemberment — such as the loss of a limb, sight, hearing, or speech. If your AD&D or life insurance claim has been denied or undervalued, our attorneys can review your policy and help you understand your legal options.
Need a Death Certificate Amended from
“Natural Causes” to “Accidental”?
We Can Help.
Insurance companies often rely on the cause of death listed on a death certificate when deciding whether accidental death insurance benefits are payable. If a death is classified as “natural causes” instead of accidental, an AD&D or life insurance claim may be denied — even when an accident contributed to the death.
Our attorneys can help:
- Review your denied AD&D or accidental death insurance claim
- Gather medical records and accident reports
- Seek amendment or clarification of the cause of death when appropriate
- Challenge wrongful insurance claim denials
- Pursue legal action to recover benefits if necessary
Our goal is to help your family obtain the accidental death insurance benefits you deserve so you can focus on healing and moving forward.
Happy Clients
J Smith
14:20 29 Aug 25
Attorney Scott was exceptional to work with. This firm has extensive knowledge and expertise in handling cases. They are highly qualified and responsive to all needs of the client. You matter to them! You have no worries with this firm representing you! Best in the business 🌟
Response from the owner 22:05 29 Aug 25
J., your generous kindness is humbling. Thank you. I'm so pleased that things worked out. It was such a pleasure serving you, and becoming friends. Onward and Upward! -Scott
HãsH
23:58 28 Aug 25
Scott was nothing less than extraordinary. We had lost our mother in a horrific car accident and were told we were getting nothing from our millionaire step father. We had tried everything to get justice but every turn we took was another loop hole and money lost for us trying to make things right. It felt like her life meant nothing and we just had to live with his decision. But when we met Scott things started turning around, he had recently experienced the same pain we were grieving with and genuinely cared about us. Not just as clients but as people. Scott was able to get us a 6 figure result to our suffering which wont bring my mother back but will help us plan our future as a 20 and 22 year old adult. I would recommend Scott to anyone that feels they are fighting a uphill battle with no chance of seeing the light on the others side, we finally did and couldn't be more grateful.
Response from the owner 22:14 29 Aug 25
Thank you! Your willingness to take the time to express your gratitude in such a heartfelt, thoughtful way says a lot about you. I have very high expectations for you and your brother going forward. Please let me know if I can do anything else to help along the way. Thanks again for your trust and confidence, and gratitude. -Scott
Matthew T
17:56 14 Jul 25
I had such a great experience with Nuttall, Brown & Coutts! I’m so glad I chose them to represent me in my case. I had the pleasure of working with Scott. He was very clear on the plan and always kept me in the loop. He’s a great lawyer and person. I would absolutely recommend them to my friends and family. Very much appreciated their assistance on my case.
Response from the owner 18:09 14 Jul 25
Sincere thanks for your generous review, Matt. It was an honor to represent you. Best Wishes to your whole family. Onward and Upward! -Scott
Lorry
20:32 24 Jun 25
I will definitely use this firm again in the future! I highly recommend them for anyone in need of legal support.
Choosing Nuttall, Brown, and Coutts after I was involved in a car accident turned out to be the best possible choice. Scott Brown represented me throughout the process.
Scott was both knowledgeable and professional but was also compassionate and supportive.
I never had a hard time reaching my Lawyer, he returned my calls within a day every single time. All of my questions were answered completely. I never felt like I was alone dealing with medical bills and insurance companies. My case was handled quickly with the highest possible settlement. They took care of everything with me. I can't express how much stress was taken off of my shoulders!
You don't need a huge Law Firm, you need a good Lawyer that will listen to you, work with you, and will be there for you every step of the way.
Choosing Nuttall, Brown, and Coutts after I was involved in a car accident turned out to be the best possible choice. Scott Brown represented me throughout the process.
Scott was both knowledgeable and professional but was also compassionate and supportive.
I never had a hard time reaching my Lawyer, he returned my calls within a day every single time. All of my questions were answered completely. I never felt like I was alone dealing with medical bills and insurance companies. My case was handled quickly with the highest possible settlement. They took care of everything with me. I can't express how much stress was taken off of my shoulders!
You don't need a huge Law Firm, you need a good Lawyer that will listen to you, work with you, and will be there for you every step of the way.
Response from the owner 23:59 24 Jun 25
Thank you, Lorry, for your glowing review. It has been such a pleasure representing you. All the best to you and yours. Onward and Upward! -Scott
David Hughes
15:32 09 Jun 25
I spoke with Ty who couldn’t have been better. Very knowledgeable, and gave me some amazing advice on the best way to move forward.
Response from the owner 15:50 09 Jun 25
Thanks David! I'm so impressed with your good attitude during a tough time. Keep it up!
teresa zundel
16:24 02 May 25
After a devastating auto accident, Brian Coutts stepped up to save the day. He not only made it possible for me to receive timely, robust medical care, but also fought hard to secure a fair settlement for me.
He was immediately available when needed and he treated me with unfailing patience and compassion. Brian Coutts and his team delivered outstanding customer service and a great result.
Wholeheartedly recommend!
He was immediately available when needed and he treated me with unfailing patience and compassion. Brian Coutts and his team delivered outstanding customer service and a great result.
Wholeheartedly recommend!
Response from the owner 15:50 09 Jun 25
Our pleasure. Thanks for the kind words. Wishing you all the best!
Becca Welch
21:17 14 Apr 25
I have been working through a hard case for years and was really struggling. I reached out to the office and Scott Brown really helped me unravel and understand the justice system and steps I could take moving forward. He showed patience, understanding, and was invaluable in my process. Thank you for helping me navigate a very hard situation and for being a positive influence in my devastating journey. I trust him and grateful for good people like Scott Brown!!
Response from the owner 21:40 14 Apr 25
Thank you, Becca. Despite some hard knocks, you are on the right track. I really admire you. Please feel free to call back should you ever sense that we might be able to help you or someone you know. Onward and Upward! -Scott
Shawn Warren
14:52 12 Apr 25
I had the opportunity to work with Brian Coutts after I was involved in an accident. Brian was great to work with, very professional. He was able to work with both medical and vehicle insurances to make sure everything was taken care of. Thanks Brian!
Response from the owner 15:51 09 Jun 25
You're welcome! And thank you for the nice review. Much appreciated!
Adrian Garcia
17:54 07 Apr 25
All I have to say is if you want your case handled the right way with no stress by going to an attorney then I highly recommend Nuttall Brown and Coutts.
I've been hit 3 times in the last 5 years and Scott has handled my case every time and I have nothing but respect for Him by how he keeps you up to date with your whole case and doesn't leave you guessing where things are at with it,and he just gets the job done so I'm so glad that Siegfried and Jensen wouldn't take my case cause Scott did and I'm glad he did so you will be happy if you put your case in there hands trust me so thanks again Scott you always have done an awesome job for me.
I've been hit 3 times in the last 5 years and Scott has handled my case every time and I have nothing but respect for Him by how he keeps you up to date with your whole case and doesn't leave you guessing where things are at with it,and he just gets the job done so I'm so glad that Siegfried and Jensen wouldn't take my case cause Scott did and I'm glad he did so you will be happy if you put your case in there hands trust me so thanks again Scott you always have done an awesome job for me.
Response from the owner 19:21 07 Apr 25
Sincere thanks for your generous review, Adrian. I so admire your positive, resilient approach to life. Onward and Upward, my Good Friend! -Scott