Stumpf, an infant, was killed when a driver of an automobile ran up on the sidewalk into Stumpf, killing him. There was proof that the driver had suffered an epileptic seizure that caused the accident. When the driver had applied for his automobile insurance policy, the application asked, “Has applicant (or anyone who usually drives the applicant’s motor vehicle) any mental or physical disability?” The driver had responded “No,” even though he had suffered epileptic seizures in the past. The insurance company refused to cover the loss, claiming misrepresentation in the application. Will the insurance company succeed?
Answer to relevant QuestionsAs you read through the chapter, what would you say are the advantages to a company if it establishes and maintains good ethical standards of behavior in the company? Do you think it is unethical for a company to test current employees for illegal substances? How can a police officer determine whether a driver is “ under the influence”? While bicycling, Gray was injured as he was leaving a park. A driver, insured by Allstate, was driving into the park on the same road as Gray, in the opposite direction. There was no collision. The driver had veered toward ...Susan and Ann, close friends, took out insurance policies on each other’s life, each being the beneficiary of the other’s policy. When Susan died, the insurance company refused to pay the proceeds to Ann, claiming that ...
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