Spott v. Equitable Life Insurance

This case requires construction of life insurance policy provisions calling for additional indemnity if death of the insured resulted from “bodily injuries effected solely through external, violent and accidental means. ’ ’ Plaintiffs are beneficiaries of two policies upon the life of one Spott in the aggregate face amount of $75,000. That amount has been paid, and only the provision for payment of $25,000 additionally is here in issue. Judgment was for plaintiffs and defendant appeals.

The body of decedent was found shortly after 2 p. m. in the bedroom of a motel apartment. Autopsy fixed time…