Oct. 24, 2022, 7:55 PM
Southern Nationwide Life Insurance coverage Co. correctly denied unintended loss of life advantages to the son of a Louisiana salt mine employee who had a number of narcotics in his system when he was fatally electrocuted on the job, a federal court docket dominated.
The insurer’s determination to use a coverage exclusion for accidents sustained “underneath the affect” of narcotics was affordable on this case, Choose Robert R. Summerhays of the US District Court docket for the Western District of Louisiana held. The coverage exclusion is unambiguous and doesn’t require that narcotics be the reason for damage, Summerhays mentioned.
The dispute stemmed from the August 2019 loss of life …