Johnson v. National Life & Accident Insurance Co.

Where an insurance policy provides for double indemnity for accidents, caused solely through external, violent, and accidental means, the burden is upon the plaintiff to show that in the act which preceded the injury alleged to have been sustained by the insured, something unforeseen, unexpected, or unusual occurred. “In other words, the act which preceded the injury itself must have been an accident.” Continental Casualty Company v. Rucker, 50 Ga. App. 694, 696 (179 S. E. 269).

There is a very definite distinction between “accidental injuries” and “injuries resulting from accidental means.”…