National Union Fire Insurance v. Miller

Opinion

BUTLER, J.

An insurance policy insured the owner of an airplane for liability for death of passengers. A policy endorsement stated the insurance would be effective only when the airplane was operated by a pilot holding a current medical certificate. The airplane crashed while flown by a pilot with an expired medical certificate, killing him and his two passengers. The pilot’s physical condition did not cause the crash. The carrier denied coverage for wrongful death. The passengers’ heirs contended the expired medical certificate had no causal connection to the accident and their damages…