Liberty National Life Insurance Company v. Cox
Liberty National Life Insurance Company v. Cox
Opinion of the Court
This was a suit to recover additional indemnity on account of accidental death of the insured on two policies of life insurance. One of the policies contained an exclusion under the additional benefits provision that where death resulted from suicide whether sane or insane such benefits would not be provided, and the other contained an exclusion that where death resulted from self-destruction, whether sane or insane, such -benefits would not be provided. The evidence showed that the deceased took his 22-caliber rifle and went out of the house stating to his wife (the plaintiff) that he was going hunting; that he stopped iii the back yard and squatted down petting his Boxer dog and was last seen holding the rifle in his right hand and thus engaged some five or ten minutes before the witnesses heard the fatal shot, and that upon hearing the shot, the witnesses found the deceased lying on his back mortally woun'ded by a bullet fired at close range. There was testimony that the insured had never evidenced an intention to commit suicide and the evidence otherwise affirmatively showed that he had no difficulties which would apparently induce such an intent. There was evidence that the gun was defective and could be accidentally discharged merely by being jolted, and the, death certificate introduced stated that the cause of death was suicide and that the fatal wound was self-inflicted. The jury found for the plaintiff and the defendant made a motion for a new trial which was amended by the addition of one special ground am- ’ plifying the general grounds, and the exception here is to the judgment denying that motion. Held:
The tenn “self-destruction” as used in the exclusion of policy .benefits under the double indemnity provision of the second policy will be construed to mean intentional self-destruction, and when so construed is synonymous with the word “suicide.”
Judgment affirmed.
070rehearing
On Motion for Rehearing.
Counsel for the plaintiff in error in a motion for rehearing insist that upon proof of the cause of death and that the death was due to suicide, the presumption against suicide disappears, and that the presumption that the death was accidental cannot be used to aid the plaintiff in proving that the death was accidental in the face of the death certificate showing that the death was due to suicide. And they contend that the death certificate is controlling evidence and demands a finding that the death was due to suicide. The argument thus advanced ignores the distinction between proof of a matter and mere evidence thereof, and overlooks the fact that the resolution of the question of whether particular evidence amounts to proof of a fact lies exclusively
Rehearing denied.
Reference
- Cited By
- 3 cases
- Status
- Published