“intentionally self-inflicted injuries” applies. The policy defines accidental bodily injury, which is covered under the policy, as “bodily harm caused solely by external, violent and accidental means which is sustained directly and independently of all other causes.” (Stipulated Facts, Ex. 1 at 11.) The death in this case was not solely caused by external and accidental means, nor was it sustained independently of all other causes. The death certificate reported that the spinal fracture was due to a motor accident, which itself was due to alcohol intoxication. As a matter of common sense and reasonableness, there can be no question that but for the intoxication, the mishap might well not have happened. See Smith v. Life Ins. Co. of North America, 872 F.Supp. 482, 485 (W.D.Tenn.1994) (<HOLDING>). The parties have devoted a large portion of
holding that decedents voluntary consumption of alcohol resulting in a level of 23 was at least a partial cause of vehicular collision precluding accidental benefits holding that rule 58 allows inclusion of at least one citation to legal authority and at least a onesentence explanation of the courts reasoning holding that rule 23 applied even when the new york statute providing the cause of action prohibited class relief holding misrepresentation must at least be partial cause of plaintiffs injury holding that there was a genuine issue of material fact precluding summary judgment