Florence F. Miller v. Continental Insurance Company

Summary

The New York Court of Appeals affirmed the lower courts' judgment awarding the plaintiff the $50,000 death benefit under the group life insurance policy. The Court held that the decedent's heroin overdose was an accidental death within the policy's coverage, that the policy's exclusions for disease, self‑inflicted injury, or intoxication did not apply, and that public policy considerations did not bar recovery.