Court in Canada says carrier doesn't have to pay.

[adjusterjack]

Unfortunately for this guy, the policy probably gave him a false sense of security for his family, likely causing him to spiral even deeper into his addiction.

No. If you've never had an addict in your family, you wouldn't know that addicts don't need any kind of reason to spiral deeper into addiction.

So if someone gets drunk and hits a pole they won't pay?

Using the same exclusions, drunk driving is a criminal offense. The company would not have to pay.

I think it would depend on if he was declared suicidal or not. Suicide could happen in multiple ways including drug overdose.

Suicide is not a crime in Canada or the US. All the company would be able to rely on is the suicide clause which is usually two years from date of issue.

 

[fed up]

So if someone gets drunk and hits a pole they won't pay?

No, because purchase, possession, and consumption of alcohol is legal. Purchase, possession, and consumption of cochise is illegal.

 

[adjusterjack]

No, because purchase, possession, and consumption of alcohol is legal.

Driving while intoxicated, or under the influence, are the crimes to which those exclusions apply.