Carswell v. Railway Mail Ass'n

WALKER, Circuit Judge. This was an action by the plaintiff in error, the beneficiary in a benefit certificate issued to her husband, which provided for the payment to her of a stated sum in the event of the death of her husband, resulting from bodily injury received during the continuance of the certificate through external, violent, and accidental means, if his death should fiesulfc from such injury alone within 120 days. The petition contained allegations to the effect that the insured, during the continuance of the certificate, in cranking or undertaking to crank an automobile, was injured by the acute dilatation of his heart and the muscles thereof, such condition of dilatation being the direct and immediate result of external, violent and accidental means, and that from said result alone be died within 2 days from the time said injury was received. Those allegations were put in issue. At the conclusion of the evidence, the court ordered an involuntary nonsuit. Evidence adduced tended to prove that' the death of the insured was due to dilatation of his heart, v^hieh was caused by his cranking or attempting to crank an automobile. The circumstances of his attempting to crank the ear were deposed to by eyewitnesses. That testimony was to the following effect: After the insured discovered that he could not start the car with the self-starter, because that appliance would not work, his son undertook; without’ success, to crank it. Thereupon the insured took hold of the crank, and kept hold of it while it was spinning, without starting the motor, until he let go, raised up, and took a long breath, as if he was exhausted. The running gear of the ear was low, so that to crank it one had to lean over to catch the crank and spin it. The testimony of the plaintiff included the following : • “In undertaking to crank the ear and in spinning the crank he twisted his body; it was in the same way that automobiles are usually cranked.” There was no evidence tending to prove that insured leaned or twisted,his body, otherwise than intentionally, or that anything unforeseen or unintended occurred while he was trying to era.nk the ear. Where one voluntarily undergoes physical exertion, and nothing unexpected or unintended happens while he is doing so, the fact that such exertion unintentionally and unexpectedly causes injury does not make the means whereby such injury is caused, namely, the voluntary exertion, accidental. The physical injury caused by voluntary exertion or strain, which is unaccompanied by anything which is involuntary, unforeseen, and unusual, is not a result of “external, violent, and accidental means,” within the meaning of the instrument sued on. Cobb v. Preferred Mutual Accident Association, 96 Ga. 818, 22 S. E. 976; Pulton v. Metropolitan Casualty Ins. Co., 19 Ga. App. 127, 91 S. E. 228; Whitehead v. Railway Mail Associ [613] ation (C. C. A.) 269 F. 25; Hastings v. Travelers Ins. Co. (C. C.) 190 F. 258. The correctness of the just stated proposition was recognized in tho opinion in the ease of United States Mutual Accident Association v. Barry, 131 U. S. 100, 121, 9 S. Ct. 755, 33 L. Ed. 60. There was evidence in that ease to support a finding that the jump which resulted in injury was not accomplished in the manner intended, and that something unexpected and involuntary happened to prevent the success of the attempt. As above indicated, there was no evidence in the instant ease to support a finding that anything unexpected or involuntary happened while the insured was trying to start the ear. The evidence adduced required the conclusion that the death of the insured was caused by his own voluntary act in trying to start the car, and was inconsistent with the conclusion that the injury causing death was received through external, violent, and accidental means within the terms of the certificate. It follows that the ruling complained of was not erroneous. Affirmed.