As a rule of thumb, I don't trust insurance in general. I once had an x-ray to try to diagnose some pain I was having, and got a letter from the insurance company stating that this seemed like it was somebody else's fault and they didn't want to pay it, but they phrased this in deep legalese. So I countered with my best legalese, explaining the origin of the pain was completely unknown, because it was, and this was critical for diagnosing the real issue. They paid. But seriously, with AD&D, it would not surprise me if they tried to argue something wasn't an accident, or that it was preventable (because accidents very technically are preventable). Kind of like how companies that offer pandemic insurance didn't want to pay out when covid hit. The industry is full of worms.
This doesn't mean I go without insurance, but new forms of insurance are constantly being created, and actuaries have jobs for a reason. It's extremely difficult to know what is reasonable and what is simply motivated by fear, and that's how the industry thrives. As others have mentioned, I think some occupations are more hazardous than others. Overall, I just wish I understood insurance better and how to avoid getting screwed, because I've simply heard too many stories to trust much of anything =/