Accidental death and dismemberment insurance is an insurance policy that offers coverage to the beneficiaries of a policyholder who was killed or injured in an accident. This insurance policy is unique because it only provides coverage to people injured due to accidents. Another unique aspect of accidental death and dismemberment policies is that they provide coverage for fatal accidents and accidents that result in dismemberment. Each insurance policy is different. The general rule is that a policyholder and their beneficiaries cannot receive benefits unless the policyholder's disability or death occurs because of an accident. When you have questions about accidental death and dismemberment insurance, speak to a Baton Rouge lawyer today.