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Judge Rules Man Not Eligible for Accident Benefits Because He Was Drunk

A man whose hand had to be amputated after a lawn mowing accident is not entitled to insurance benefits because he was drunk at the...
August 24, 2004

A man whose hand had to be amputated after a lawn mowing accident is not entitled to insurance benefits because he was drunk at the time, according to a ruling by a federal judge. U.S. District Court Judge J. Frederick Motz threw out a claim brought by the family of Billie Lamm, ruling that once Lamm drove the riding lawnmower drunk, his mishap no longer qualified as an accident. His wife had purchased an accidental insurance policy through her workplace and filed a claim. The policy included a disclaimer allowing the insurer to determine eligibility of benefits, and an adjuster later denied those benefits, citing Lamm's intoxication. Lab tests showed Lamm had been drinking, but not necessarily enough for him to be convicted under Maryland law of driving an automobile while intoxicated. Lamm is now dead.

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