Insurance Limits: Drinking, Driving & Death
U.S. Court of Appeals for the First Circuit: Stamp v. Metroplitan Life Ins. Co.
If you get so drunk—3 times the legal limit—that you crash your car into a tree and die as a result, does your family collect from your accidental death and dismemberment life insurance policy? Affirming the Rhode Island District Court, the First Circuit Court of Appeals says your family does not collect anything. The policy in question did not clearly define what an “accident” was, so the court had to: It concluded that Mr. Stamp was “so highly intoxicated that his death was not an ‘accident.’” It went on to find that when you are behind the wheel this drunk, you should “objectively and reasonably” expect to die or be seriously injured.
The dissent saw it differently, finding that Mr. Stamp did not set out to kill himself and that the circumstances of his death were no more than a “fatal mistake.” Under the circumstances, his wife should have collected from the insurance policy.
Fatal mistakes cannot be undone. Think twice before you get behind the wheel drunk. You may kill yourself and your family’s chances of surviving without you.
