Summary
finding no coverage for death caused by heart attack resulting from ordinary physical exertion
Summary of this case from State v. ArbuckleOpinion
May 23, 1986
Appeal from the Supreme Court, Monroe County, Bergin, J.
Present — Callahan, J.P., Doerr, Denman, Boomer and Pine, JJ.
Order and judgment unanimously reversed, on the law, without costs, motion denied, and summary judgment granted defendant dismissing the complaint. Memorandum: Special Term erred in granting plaintiff summary judgment in this action to recover $25,000 under the accidental death provisions of an insurance policy on the life of plaintiff's decedent. Plaintiff's husband, a 41-year-old man with no history of heart disease, had a heart attack and died shortly after lifting and moving large cartons of coffee as part of his routine duties at the supermarket where he was an assistant manager. The cause of death was given as acute myocardial infarction. His life was insured under a group policy providing for payment of $25,000 in death benefits and an additional $25,000 for accidental death. With respect to accidental death, the policy provides:
"These benefits are payable in the event you suffer a loss as a result of accidental injury caused directly and exclusively by purely accidental means and independently of all other causes, within 90 days following an accidental injury which occurs either on or off the job and while you are insured * * *
"NOT COVERED
"Losses resulting from, or caused directly or indirectly, * * * by, (a) bodily or mental infirmity".
Defendant paid the death benefits but denied plaintiff's additional claim for accidental death benefits.
Plaintiff relies primarily on language contained in Miller v Continental Ins. Co. ( 40 N.Y.2d 675, 677), which defines an accident as whether, from the point of view of the insured, "`it was unexpected, unusual and unforeseen'". Obviously, the sudden heart attack suffered by plaintiff's decedent was neither expected nor foreseen by him; nevertheless, the problem with that definition of accidental death is that it would include, contrary to the clear intent of the policy, any sudden death resulting from natural causes. The weight of authority in this and other jurisdictions holds that death resulting from a heart attack suffered as a consequence of ordinary physical exertion is not accidental within the meaning of an accident policy (see, Burr v Commercial Travelers Mut. Acc. Assn., 295 N.Y. 294, 305; Wilcox v Mutual Life Ins. Co., 265 N.Y. 665; Silverstein v Metropolitan Life Ins. Co., 254 N.Y. 81, 85; Allendorf v Fidelity Cas. Co., 250 N.Y. 529; Schecter v Equitable Life Assur. Socy., 275 App. Div. 958, lv denied 300 N.Y. 763; 1B Appleman, Insurance Law and Practice § 372; see also, Fane v National Assn., 197 App. Div. 145).
Since we find as a matter of law that plaintiff did not suffer an accidental death, there are no triable issues of fact and, in the interest of judicial economy, we have exercised our authority to search the record and grant summary judgment dismissing the complaint despite the fact that defendant did not move for such relief (Merritt Hill Vineyards v Windy Hgts. Vineyard, 61 N.Y.2d 106, 110-112).