Colonial Life & Accident Insurance v. Croom

1. The policy contained the following provision: “The insurance under this policy shall not cover suicide while sane or insane.” The policy also contained a provision which provided: “For death covered by the provisions of this policy, where it results from asphyxiation by inhaling any form of gas or vapor, shooting self-inflicted, or poison self-administered, the amount payable shall be one-fifth the amount otherwise payable for accidental death.” The last quoted provision of the policy is susceptible to two different constructions. Shooting self-inflicted may mean either the intentional or…