A particular person holds a Personal Accidents Policy covering accidental injury to self or his death. He gets murdered by the robbers during a robbery in his home.The FIR is filed againest the unknown person. In the meanwhile, the nominees of the deceased make a claim to the insurer to pay the policy amount by treating this murder as an accident on the footing that the deceased was at home and some people come with the intenson of robbery and murdered the person so that no clue left.
This query is more or less like an opinion poll with legal reasons supported by the judgements of Courts of law. Hence,
I request all to participate.
I searched throw the net and find this article -
https://timesofindia.indiatimes.com/city/chennai/Murder-can-be-accident-forum-tells-insurer-/articleshow/3578592.cms?referral=PM
As per there policy
Accident: Accident or Accidental means a sudden, unintended and fortuitous external and visible event
