Howard v. Equitable Life Assurance Society of the United States
Howard v. Equitable Life Assurance Society of the United States
Opinion of the Court
In this action of contract the plaintiff, the beneficiary under a policy of life insurance issued by the defendant, seeks to recover $5,000 payable as an accidental death benefit thereunder. The matter was heard before a Superior Court judge sitting without jury. A notice to admit facts was filed, to which the plaintiff did not respond, and consequently there is no dispute on the facts. G. L. c. 231, § 69. The plaintiff is here on exceptions to the denial of certain of his requests and the granting of certain of the defendant's requests.
The plaintiff argues that the exclusion is inapplicable here because no causal connection is shown between the insured’s status on the plane and his drowning. For the exclusion to apply the insured must have had a particular status on the aircraft (see the preceding contract provision).
Here the insured died from drowning after he extricated himself from a downed plane. Whether the aviation clause precludes recovery is a question novel to Massachusetts. Courts in other jurisdictions differ. Cf. Neel v. Mutual Life Ins. Co. 131 F. 2d 159 (2d Cir.), Green v. Mutual Benefit Life Ins. Co. 144 F. 2d 55 (1st Cir.), and Hobbs v. Franklin Life Ins. Co. 253 F. 2d 591 (5th Cir.), with McDaniel v. Standard Acc. Ins. Co. 221 F. 2d 171 (7th Cir.) and Chambers v. Kansas City Life Ins. Co. 156 Cal. App. 2d 265.
In this case we hold the crash of the airplane was the legal cause of the insured’s death. We do not agree with the plaintiff that the cause of the insured’s death was not the ditching of the airplane but was rather an independent cause: “malfunction of the exposure suit.” Actually there is no proof that it did malfunction. There is proof only that water seeped through it. We do not know how long such a suit should remain water tight. We have no knowledge of whether water seeped through the suits of Howard’s
A very similar fact situation can be found in Order oj United Commercial Travelers v. King, 161 F. 2d 108 (4th Cir.). There a Civil Air Patrol observer safely extricated himself from a ditched plane and was seen alive two and one-half hours later. However, he was found dead from exposure four and one-half hours after the crash. The aviation clause denied recovery “for death resulting from participation, as a passenger or otherwise, in aviation or aeronautics . . . .” P. 109. The court also said at that page that “the exclusion clause clearly comprehends the very situation that here developed. Any other conclusion must ignore the plain meaning and presence of the word 'resulting.’ ... In undertaking an aerial flight over the ocean in a land-based plane, man must reckon with the perils of the sea .... That men may remain alive for varying periods of time before succumbing does not change the picture. We think it a rather violent fiction to say that death,' under such circumstances, comes from accidental drowning.” That the aircraft in the instant case was not proved to be land based is not of importance. A seaplane also faces the “perils of the sea,” and the risk is substantially the same. We conclude that the judge was right in his interpretation of the policy provision.
Exceptions overruled.
Reference
- Full Case Name
- Shirley M. Howard v. The Equitable Life Assurance Society of the United States
- Cited By
- 3 cases
- Status
- Published