BOB INGERSOLL: THE LAW IS A ASS #339: INSPECTOR DANGER THE BREAKS THE CASE WIDE OPEN. OR DOES HE?

Bob Ingersoll

Bob Ingersoll

By day Bob Ingersoll was an attorney in the Cuyahoga County Public Defender Office, Appellate Division in Cleveland, Ohio, until he retired in 2009. But in the “Real World” he has also been a freelance writer since 1975, when he sold his first comic-book story to the late, lamented Charlton Comics. He’s still at it and, in addition to his long-running column “The Law Is a Ass” has sold stories to DC, Marvel, Innovation, Now Comics, Comico, Kitchen Sink and others; as well as co-authoring the novels Captain America: Liberty’s Torch and Star Trek: The Case of the Colonist’s Corpse. Bob is married with children, which is about as close to Al Bundy as he cares to get.

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1 Response

  1. mike weber says:

    If the policy had been in force for more than two years (one in some states) suicide would not have been an excuse to not pay it:

    Life Insurance Does Too Cover Suicide!

    In virtually every traditional life insurance policy in our country there is a two year suicide clause. Simply put, for the first two years of the policy the company does not have to pay a death benefit it death is due to suicide.

    The language from one of my own policies states, “The benefits payable are limited if the insured commits suicide, while sane or insane, within two years from the issue date. In such case, out liability will be limited to a refund of the premiums paid to us”.

    {snip}

    The suicide clause lasts for two years because that’s the law. Regulators didn’t want to see a situation where someone had paid into a policy for a long time, or even more than two years, and had a catastrophic life event that ended in suicide and leave the family penniless.

    {The author of that is an apparently pretty big-time insurance agent specialising in life insurance himself}

    That insurance policies absolutely will not pay on suicide is a myth that i have heard repeated by professional insurance adjustors.

    So there was no need for Hudson to pretend that his suicide was a murder – he could have called a press conference and blown his brains out on the insurance company’s front steps and they would have had to pay.