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Ðdð ðappel€a€jug €la€police€dð ðassurance€inapplicable€pour€dð ðautres€raisons.€€Dans€lð ðaffaireÐ Ô P Ðò òBrown€c.€Continental€Casualty€Co.ó ó,€108€So.€464ò ò€ó ó(La.1926),€la€cour€a€jug €que€lð ðassur Ð l è Ð tait€d c d €accidentellement€apr s€avoir€inhal €par€m garde€plus€de€chloroforme€queÐ "€ Ðpr vu€en€voulant€rem dier,€comme€il€le€faisait€habituellement,€ €ses€maux€de€t te€et€ €sonÐ œ# " Ðinsomnie.€€De€m me,€dans€lð ðaffaire€ò òBertalan€Estate€c.€American€Home€Assurance€Co.Ð 4%° $ Ðó ó(1999),€68€B.C.L.R.€(3d)€118€(C.S.),€la€cour€a€conclu€que€lð ðassur € tait€d c d Ð Ì&H & Ðaccidentellement€apr s€avoir€omis€de€retirer€ €temps,€comme€il€le€faisait€normalement,Ð d(à ( Ðle€masque€reli € €sa€bouteille€dð ðoxyde€nitreux.€€Toute€cette€jurisprudence€repose€sur€laÐ ü)x!* Ðconclusion€que€lð ðassur €ne€sð ðattendait€pas€ €mourir€ou€nð ðavait€pas€lð ðintention€de€mourir.€Ð ”+ #, ÐComme€le€d montre€la€jurisprudence,€divers€facteurs€peuvent€expliquer€le€fait€que€laÐ ,-¨$. Ðvictime€ne€sð ðattendait€pas€ €mourir.€€Le€d c s€de€lð ðassur €peut€avoir€r sult €dð ð v nementsÐ Ä.@&0 Ð chappant€ €son€contrð= ðle.€€Lð ðassur €peut€avoir€commis€une€erreur€de€jugement€ou€avoirÐ \0Ø'2 Ðmal€ valu €sa€situation.€€Il€peut€avoir€omis€dð ðagir€en€temps€opportun€ou€dð ðeffectuer€uneÐ „ Ðv rification€n cessaire.€€Ou€encore,€il€peut€avoir€simplement€mal€ valu €les€cons quencesÐ ˜ Ðde€ses€actes€sur€son€corps.Ý ƒ % Ñýãš þš ݌Р´ 0 ÐŒÝ ÝÌÝ ‚ % Ñýÿ ÝÝ ÝÝ ‚ % Ñý÷¥ Ýà „ àÚ ƒ z Ú23Ú ÚÛ € z Ûà Ü àÝ Ýà œ àLe€crit re€de€lð ðattente€est€g n ralement€applicable€dans€tous€les€cas€o €unÐ ä ` Ðd c s€parað3 ðt€accidentel.€€Dans€la€plupart€de€ces€cas,€il€nð ðest€pas€difficile€de€d terminer€siÐ | ø Ðla€victime€sð ðattendait€ €mourir.€€Cependant,€il€vaut€la€peine€de€sð ðattarder€davantage€ €unÐ Ðpetit€nombre€de€cas€o €il€est€question€de€diff rents€types€dð ðactivit €risqu e,€ne€serait„ceÐ ¬ ( Ðque€parce€que€lð ðon€fait€parfois€valoir€quð ðils€justifient€le€recours€ €un€crit re€plus€strictÐ D À Ðpour€d terminer€si€le€d c s€est€non€accidentel€en€ce€sens€notamment€quð ðil€ taitÐ Ü X Ðraisonnablement€pr visible,€ou€encore€pour€d terminer€si€la€conduite€dð ðune€personneÐ t ð Ðrisquait€fortement€de€lui€coðE ðter€la€vie.€€La€jurisprudence€pr cise€clairement€que,€enÐ ˆ Ðlð ðabsence€de€clause€dð ðexclusion€particuli re€dans€la€police€dð ðassurance,€la€possibilit Ð ¤ Ðquð ðun€d c s€soit€accidentel€nð ðest€pas€ cart e€du€seul€fait€que€la€victime€exer ait€uneÐ
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Ðan€unlooked„for€mishap€or€an€untoward€event€which€is€not€expected€or€designedð ð.€€€ItÐ Ô P Ðfollows€that€death€is€not€non„accidental€merely€because€the€insured€could€have€preventedÐ l è Ðdeath€by€taking€greater€care,€or€that€a€mishap€was€reasonably€foreseeable€in€the€sense€usedÐ "€ Ðin€tort€law.€€Nor€does€a€death€that€is€unintended€become€ð ðnon„accidentalð ð€merely€becauseÐ œ# " Ðthat€person€was€engaged€in€a€dangerous€or€risky€activity.€€ò òó óAs€this€Court€emphasized€inÐ 4%° $ Ðò òCanadian€Indemnityó ó,ò ò€supraó ó,€at€p.€316,€the€jurisprudence€assigns€a€generous€meaning€toÐ Ì&H & Ðð ðaccidentalð ð,€in€the€absence€of€language€to€the€contrary€in€the€insurance€policy.Ý ƒ % Ñý Wp ݌Рd(à ( ÐŒÝ ÝÌÝ ‚ % Ñýÿ ÝÝ ÝÝ ‚ % Ñýèx Ýà „ àÚ ƒ z Ú21Ú ÚÛ € z Ûà Ü àÝ Ýà œ àThe€pivotal€question€is€whether€the€insured€expected€to€die.€TheÐ ”+ #, Ðcircumstances€of€the€death€ð! ð€what€the€insured€said,€or€did,€or€did€not€do€ð! ð€may€point€toÐ ,-¨$. Ðthe€answer.€€However,€to€the€extent€that€the€answer€is€unclear€when€the€matter€is€viewedÐ Ä.@&0 Ðsolely€from€the€perspective€of€the€insured,€the€court€may€consider€whether€a€reasonableÐ \0Ø'2 Ðperson€in€the€position€of€the€insured€would€have€expected€to€die:ò ò€Candler€v.€London€&Ð „ ÐLancashire€Guarantee€&€Accident€Co.€of€Canadaó ó€(1963),€40€D.L.R.€(2d)€408ò ò€ó ó(Ont.€H.C.),Ð ˜ Ðat€p.€423;€ò òJohnson€v.€Mutual€of€Omaha€Insurance€Co.ó ó€(1984),€€45€O.R.€(2d)€676€(C.A.),Ð ´ 0 Ðaffð ðg€(1982),€39€O.R.€(2d)€559€(H.C.);€ò òStatsó ó,ò ò€supraó ó,€at€pp.€1164„65.Ý ƒ % Ñýèx y ݌РL È ÐŒÝ ÝÌÝ ‚ % Ñýÿ ÝÝ ÝÝ ‚ % Ñýö| Ýà „ àÚ ƒ z Ú22Ú ÚÛ € z Ûà Ü àÝ Ýà œ àThe€general€rule€that€unexpected€death€is€accidental€has€been€repeatedlyÐ | ø Ðapplied.€€In€ò òGlenlight€Shippingó ó,ò ò€supraó ó,ò ò€ó óthe€insured€drove€off€the€ferry€into€the€sea,Ð Ðmistakenly€thinking€the€ferry€had€reached€the€pier.€€Because€he€ð ðdid€not€appreciateÐ ¬ ( Ðthrough€error€what€the€consequences€of€his€action€would€beð ð€(p.€243),€his€death€was€heldÐ D À Ðto€be€accidental.€€In€ò òCornish€v.€Accident€Insurance€Co.€ó ó(1889),€23€Q.B.D.€453€(C.A.),€theÐ Ü X Ðinsured€failed€to€notice€an€oncoming€train€when€crossing€a€railway€track€to€get€from€oneÐ t ð Ðpart€of€his€farm€to€another,€as€he€regularly€did.€€The€Court€of€Appeal€found€that€he€metÐ ˆ Ðhis€death€ð ðby€what€may€be€properly€called€an€accidentð ð;€though,€for€other€reasons,€it€heldÐ ¤ Ðthat€the€insurance€policy€in€question€did€not€cover€it€(p.€455).€€The€insured€in€ò òBrown€v.Ð
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