1. Insurance Chris Corr and Anthony Corbett

2. Summary Lennon drank three times the legal limit and drove into a wall. MetLife insurance provided benefits via him employer, GM. The policy excluded benefits for suicide or self inflicted injury. Lennon’s mother sued for payments of those benefits. District Court held that death was caused by an accident and benefits should be paid. MetLife appealed.

3. Decision REVERSED. The accident would most likely not have occurred, if he had not been drinking. He voluntarily consumed the alcohol, therefore the injury was deemed self inflicted.

4. Key Words Death Benefits- the amount paid to a beneficiary upon the death of an insured person Personal Accident Insurance- a policy that provides compensation in the event of injury's, disability or death caused solely by violent, accidental, external, and visible events. Denial- the action of declaring something to be untrue Alcohol- the best thing in the world.