Crespo v. John Hancock Mutual Life Insurance

354 N.E.2d 381, 41 Ill. App. 3d 506, 1976 Ill. App. LEXIS 2979
CourtAppellate Court of Illinois
DecidedAugust 10, 1976
Docket61804
StatusPublished
Cited by18 cases

This text of 354 N.E.2d 381 (Crespo v. John Hancock Mutual Life Insurance) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Crespo v. John Hancock Mutual Life Insurance, 354 N.E.2d 381, 41 Ill. App. 3d 506, 1976 Ill. App. LEXIS 2979 (Ill. Ct. App. 1976).

Opinion

Mr. PRESIDING JUSTICE STAMOS

delivered the opinion of the court:

Plaintiff, Mary Crespo, brought this action against defendant, John Hancock Mutual Life Insurance Company, to recover an accidental death benefit under an insurance policy issued by defendant to plaintiffs husband, the deceased. The jury returned a verdict in favor of defendant, and judgment was entered thereon.

Subsequent to the denial of plaintiff’s post-trial motion, this appeal was perfected whereby plaintiff raises three principal issues: (1) whether authorization exists in Illinois permitting the designation of a witness as a “court’s witness” in civil litigation; (2) if such practice is permissible, whether the trial court in the instant case erred in calling George Cobbs as a court’s witness; and (3) whether prejudicial error was committed when the trial court admitted certain impeaching evidence introduced by defendant to contradict the testimony of Cobbs. In addition to these issues, plaintiff contends that prejudicial error was committed and the jury misled when the trial court excluded certain evidence sought to be introduced by plaintiff; that rulings of the trial court unduly restricted plaintiff in calling and examining certain witnesses in an attempt to counteract the impact of impeaching evidence introduced by defendant; that certain rulings of the trial court on tendered instructions were erroneous; and that plaintiff’s motion for a directed verdict, and plaintiff’s subsequent motion for judgment notwithstanding the verdict, should have been granted.

This controversy raises a factual issue which our research indicates is novel to Illinois decisional law: whether the beneficiary of a life insurance policy may collect the accidental death benefit thereunder when the insured met his death while purportedly engaged in a game of “Russian roulette.”

The pertinent facts follow. On November 12,1968, plaintiff’s husband secured a life insurance policy from defendant. One provision of that policy, which is the focal point of this appeal, provided for a *10,000 accidental death benefit, payable to the beneficiary of the policy, in the event that the insured’s “Death resulted solely from an accidental bodily injury, * ” ”.” The policy further provided, in pertinent part, as follows: “ACCIDENTAL DEATH DEFINED.

The phrase ‘accidental death’ means death resulting directly and solely from
a. An accidental injury visible on the surface of the body or disclosed by an autopsy,” ” ”.
EXCEPTIONS AND EXCLUSIONS.
No benefit will be payable under this provision if the Insured’s death results, directly or indirectly, or wholly or partially, from” ” ”
(2) Intentionally self-inflicted injury while sane, or self-inflicted injury while insane;” ” ”.”

By her complaint, plaintiff, as beneficiary under the policy, alleged that on February 19, 1972, while the policy was in full force and effect, her husband, the insured, accidentally and fatally shot himself. It was further alleged that plaintiff had complied with all conditions precedent enumerated in the policy to warrant plaintiff’s receipt of the accidental death benefit, but that defendant vexatiously refused to pay said benefit to her.

The sole defense asserted in defendant’s answer to the complaint was a denial that the insured’s “death resulted from an accidental bodily injury.” In this regard, specific reference was made to the exclusionary language set out above.

Four witnesses testified during plaintiff’s case-in-chief. Plaintiff described the deceased as a happily married person who enjoyed a good financial standing and had no apparent reason to intentionally take his life. The deceased obtained the death weapon, a .38-caliber B&S revolver, in December of 1971 for the purpose of increasing security at the grocery store he operated. He owned no other weapons for either sport or hobby, nor did plaintiff recall the deceased ever being trained in the use of guns.

Kenneth Belmar, who was 15 years old and employed by the deceased on the date of the fatal incident, was the second witness to testify. During the afternoon on which the shooting occurred, the witness was laughing and joking in the deceased’s store with the deceased and George Cobbs. The deceased pulled a gun from his pants and said, “Let’s play Russian roulette.” Thereupon, the deceased opened the cylinder of the gun, shook the gun until some bullets fell into his hand, closed and spun the cylinder, and then placed the barrel of the gun next to his head. The deceased pulled the trigger twice, and each time the witness heard a clicking sound. When the deceased squeezed the trigger a third time, the gun discharged, inflicting a fatal head wound.

On cross-examination, Belmar stated that he had never seen the death weapon prior to the fatal incident. After the deceased asked if either the witness or Cobbs would like to play Russian roulette, Belmar told the deceased to put the gun away. The deceased responded with laughter. Belmar did not see the deceased put a bullet into the gun after emptying it, and it was his recollection that the deceased put the bullets that had fallen from the gun into his pocket. When the deceased placed the gun to his head, the witness again asked the deceased to put the gun away, but the deceased laughed and pulled the trigger.

Belmar remembered giving a statement to a police officer on the date of the incident. However, he did not recall relating to any officer that he had seen the deceased put a bullet into the gun and suggest that they play Russian roulette.

After the death weapon was admitted into evidence, during the testimony of a representative of the coroner’s office, plaintiff called as her final witness a person who qualified as an expert on guns. In response to a hypothetical question depicting a person attempting to unload a gun in a manner similar to that used by the deceased on the date of the fatal incident, the witness stated that it would be possible for a bullet to stick and remain in the gun under those circumstances. The witness explained that whether or not a bullet sticks in a gun is more dependent upon the size and brand of ammunition than on the type of gun being unloaded. It is possible for ammunition manufactured for use in a particular type of gun to get stuck in that type of gun. The witness demonstrated the proper technique for unloading a .38-caliber revolver, which involves depressing an extractor to assure that all bullets are removed. On cross-examination, the witness described the death weapon as appearing in good working condition.

Plaintiff then rested her case. Prior to calling its first witness, defendant made an oral motion requesting that the court call George Cobbs as a court’s witness and allow defendant an opportunity to cross-examine Cobbs. In support of this motion, the court was advised that Cobbs was an eyewitness to the fatal incident and had given prior statements under oath in connection with this incident. At the coroner’s inquest, Cobbs testified that he observed the deceased put a bullet in the gun prior to pulling the trigger.

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Bluebook (online)
354 N.E.2d 381, 41 Ill. App. 3d 506, 1976 Ill. App. LEXIS 2979, Counsel Stack Legal Research, https://law.counselstack.com/opinion/crespo-v-john-hancock-mutual-life-insurance-illappct-1976.