North American Accident Insurance v. Cavaleri

Supreme Court of Colorado

North American Accident Insurance v. Cavaleri

58 P.2d 756, 98 Colo. 565, 1936 Colo. LEXIS 338

CourtSupreme Court of Colorado

DecidedMarch 30, 1936

DocketNo. 13,862.

StatusPublished

Cited by4 cases

This text of 58 P.2d 756 (North American Accident Insurance v. Cavaleri) is published on Counsel Stack Legal Research, covering Supreme Court of Colorado primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

North American Accident Insurance v. Cavaleri, 58 P.2d 756, 98 Colo. 565, 1936 Colo. LEXIS 338 (Colo. 1936).

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Opinion

Mr. Justice Butler

delivered the opinion of the court.

North American Accident Insurance Company issued to Joe Cavaleri a policy of insurance, whereby it agreed to pay to Nettie Cavaleri a sum of money in case Cavaleri should die through external, violent and accidental means, causing his death within ninety days from the occurrence of the accident. While the policy was in force, Cavaleri committed suicide by shooting himself in the head with a gun, dying instantly. The beneficiary sued on the policy and obtained judgment. The defendant seeks a reversal of the judgment.

In order to recover on a policy insuring against accidental death, a plaintiff must prove that the insured died as the result of an accident. Where a person commits suicide while insane, the death is accidental; where he commits suicide while sane, the death is not accidental. Capitol Life Ins. Co. v. Di Iullo, 98 Colo. 116, 53 P. (2d) 1183. Every person is presumed to be sane until the con *567 trary appears. Ingles v. People, 90 Colo. 51, 6 P. (2d) 455. This presumption exists in civil cases as well as in criminal cases. ‘ ‘ Sanity # * being the normal condition of man, the courts will presume that every person is sane until the contrary appears.” 10 R. C. L., p. 879, §25. The presumption of sanity is not overcome by the fact of suicide. Ledy v. National Council, 129 Minn. 137, 151 N. W. 905; Note, Ann. Cas. 1916E 486; Id. 1912A 41. “The law draws no inference of insanity per se from the suicidal act and creates no presumption of insanity. ’ ’ 14 R. C. L., p. 621, §72.

There was no evidence having the slightest tendency to show that Cavaleri was insane when he committed suicide; nor was it contended or even suggested in the trial court that he was insane, and no such contention or suggestion is made in this court.

As plaintiff wholly failed to prove accidental death, she failed to show a right of recovery on the accident policy.

The judgment is reversed.

Mr. Justice Burke, Mr. Justice Hilliard and Mr. Justice Young dissent.

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Mr. Justice Butler

delivered the opinion of the court.

North American Accident Insurance Company issued to Joe Cavaleri a policy of insurance, whereby it agreed to pay to Nettie Cavaleri a sum of money in case Cavaleri should die through external, violent and accidental means, causing his death within ninety days from the occurrence of the accident. While the policy was in force, Cavaleri committed suicide by shooting himself in the head with a gun, dying instantly. The beneficiary sued on the policy and obtained judgment. The defendant seeks a reversal of the judgment.

In order to recover on a policy insuring against accidental death, a plaintiff must prove that the insured died as the result of an accident. Where a person commits suicide while insane, the death is accidental; where he commits suicide while sane, the death is not accidental. Capitol Life Ins. Co. v. Di Iullo, 98 Colo. 116, 53 P. (2d) 1183. Every person is presumed to be sane until the con *567 trary appears. Ingles v. People, 90 Colo. 51, 6 P. (2d) 455. This presumption exists in civil cases as well as in criminal cases. ‘ ‘ Sanity # * being the normal condition of man, the courts will presume that every person is sane until the contrary appears.” 10 R. C. L., p. 879, §25. The presumption of sanity is not overcome by the fact of suicide. Ledy v. National Council, 129 Minn. 137, 151 N. W. 905; Note, Ann. Cas. 1916E 486; Id. 1912A 41. “The law draws no inference of insanity per se from the suicidal act and creates no presumption of insanity. ’ ’ 14 R. C. L., p. 621, §72.

There was no evidence having the slightest tendency to show that Cavaleri was insane when he committed suicide; nor was it contended or even suggested in the trial court that he was insane, and no such contention or suggestion is made in this court.

As plaintiff wholly failed to prove accidental death, she failed to show a right of recovery on the accident policy.

The judgment is reversed.

Mr. Justice Burke, Mr. Justice Hilliard and Mr. Justice Young dissent.

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58 P.2d 756, 98 Colo. 565, 1936 Colo. LEXIS 338, Counsel Stack Legal Research, https://law.counselstack.com/opinion/north-american-accident-insurance-v-cavaleri-colo-1936.

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