ALANE KING, AS CONSERVATOR AND NATURAL PARENT OF AMBER LYNN SCHANUS, — v. HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY, —

BRIGHT, Circuit Judge.

Martin Schanus, an insured party under a Hartford Life and Accident Insurance Company (“Hartford”) accidental death insurance policy, died when he crashed his motorcycle while intoxicated. Hartford denied double indemnity benefits on the grounds that the crash did not meet the definition of an accident under the policy. In response, Alane King, as conservator for Amber Lynn Schanus (Martin Scha-nus’s daughter, the policy beneficiary), brought an action against Hartford under ERISA, 29 U.S.C. § 1132(a). The parties both moved for summary judgment, and King now appeals…