Huss v. Prudential Ins. Co. of America

• Decision Date: 07 March 1941
• Docket Number: Civ. No. 53.
• Citation: 37 F. Supp. 364
• Court: U.S. District Court — District of Connecticut
• Parties: HUSS v. PRUDENTIAL INS. CO. OF AMERICA.

37 F. Supp. 364

HUSS v. PRUDENTIAL INS. CO. OF AMERICA.

Civ. No. 53.

District Court, D. Connecticut.

March 7, 1941.

Leonard McMahon, of Danbury, Conn., for plaintiff.

Lorin W. Willis, of Bridgeport, Conn., for defendant.

CLARK, Circuit Judge (sitting as District Judge pursuant to statutory designation).

The question presented herein is whether or not death by sunstroke makes operative the provisions of a life insurance policy granting an additional benefit equal to the face of the policy in case of death of the insured by accidental means. The insured in this case was Thomas F. Reynolds, employed by the Rider Dairy Company of Danbury, Connecticut, as operator of a retail milk delivery truck. On August 20, 1937, he was called upon to deliver some 650 quarts of milk from the dairy in Danbury to approximately 300 customers on a 30-mile route, which included the summer resorts located in New Fairfield bordering on Lake Candlewood. The day was one of the hottest on record; it is agreed that the temperature reached 116° in the sun on Candlewood Isle at about 1:00 P. M. Beginning about noon the insured felt the effects of the heat, and at about 5:15 P. M. he toppled from his truck and died shortly thereafter. Further details of the occurrence appear in the opinion of the court in Reynolds v. Rider Dairy Co., 125 Conn. 380, 5 A.2d 855, wherein an award of compensation in favor of his widow, the plaintiff herein, and against his employer was sustained.

The policy in question was issued by defendant in 1933 upon the life of the deceased in the amount of $5,000, with the plaintiff as beneficiary. It provided for the payment of an additional $5,000 upon due proof of the death of the insured "as a result, directly and independently of all other causes, of bodily injuries, effected solely through external, violent and accidental means, of which, except in case of drowning, or of internal injuries revealed by an autopsy, there is a visible contusion or wound on the exterior of the body, and that such death occurred within ninety days of the accident." An additional quarter-annual premium was recited as charged for this benefit. Upon receipt of due proof of death of the insured, defendant paid the face amount of the policy, but after demand refused on December 1, 1937, to pay the additional benefit. Plaintiff thereupon instituted this action for the amount in question in the state superior court; and defendant has removed it here on a showing of diversity of citizenship of the parties.

The important facts have been stipulated by the parties. It is therefore agreed that the insured died of a heat or sunstroke manifested by several outward signs, including complete cessation of perspiration; fatigue, weakness, shakiness; pale, dry skin; dreaminess; slow breathing; sudden collapse; and dark blotches on the extremities and neck and thorax. There was also uncontroverted testimony by an attending physician in further explanation of the dark blotches. Those he said were large blue blotches, not those usually occurring in ordinary deaths, which appeared on the hands and feet, and also on the face and neck and thorax, of the insured, and increased in size as he watched them; and that these were a natural phenomenon of sunstroke, which involved an injury to the respiratory centers of the brain, causing a cessation of respiration and an increase in the amount of carbon dioxide in the blood, resulting in these blue spots or discolorations.

Whether death by sunstroke occurs through external, violent and accidental means is a question frequently litigated, although the decisions have been somewhat diverse. It has been held that while a sunstroke may be an accident, yet it cannot come within the precise limitation of death caused by external, violent and accidental means. Landress v. Phoenix Mut. Life Ins. Co., 291 U.S. 491, 54 S.Ct. 461, 78 L.Ed. 934, 90 A.L.R. 1382. In that case, however, Justice Cardozo dissented vigorously, asserting that in the common speech of men sunstroke was an accident violent and external in its nature, and that such common understanding should govern the construction of the insurance contract. His dissent has been widely quoted; it is often asserted that it represents the majority view, which seems to be the case at least in recent trend of the decisions. Among such cases may be cited Wiecking v. Phoenix Mut. Life Ins. Co., 7 Cir., 116 F.2d 90; Suggs v. Mutual Ben. Health & Accident Ass'n, 10 Cir., 115 F.2d 80; Goethe v. New York Life Ins. Co., 183 S.C. 199, 190 S.E. 451; O'Connell v. New York Life Ins. Co., 220 Wis. 61, 264 N.W. 253. Cases are collected in 17 A.L.R. 1197, 61 A.L.R. 1197, and 90 A.L.R. 1387.

As to the requirement of "a visible contusion or wound on the exterior of the body," the cases hold that its purpose is to provide visible physical evidence of the operation of the "external, violent and accidental means," and thus it may include "any morbid change in, or injury to, either the subcutaneous tissue, or the skin, which produce markings or discolorations that are visible upon the exterior of the body."...