Commercial Casualty Insurance v. Mathews

1. Where an accident policy insures “against the effects resulting directly and exclusively of all other causes from bodily injury sustained” during the life of the policy “solely through external, violent, and accidental means,” it is necessary, in an action thereon, to show that in the act which preceded the injury alleged to have been sustained by the plaintiff something unforeseen, unexpected, or unusual occurred. “The rule which seems to reconcile the cases involving a construction of this, or a similar clause, in an accident policy of insurance, is that when the facts show that no…