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Benchmarks: Hartford off the hook for drunk man’s fatal tumble

Lawyers typically struggle in vain to get life insurance companies to pay up for a drunk driver’s death. But does an alcohol exclusion apply when a man dies from a simple fall down his own front door steps? The 5th Circuit just decided that it doesn’t take a criminal act for an insurer to invoke an intoxication exclusion to deny accidental death benefits for an alcohol-related fatality.