Here is a life insurance case which is governed by the Employee Retirement Income Security Act (ERISA). The opinion is from the Southern District of Texas, Houston Division. It is styled, Heidi Ballard v. Lincoln Life Assurance Company of Boston.
The deceased had an accidental death life insurance policy which was governed by ERISA. The death resulted when the deceased, riding as a passenger in a golf cart, was thrown out of the car after the driver of the cart suddenly and unexpectedly accelerated the cart. This was witnessed by others.
Lincoln Life denied the claim based on an exclusion in the policy excluding an accidental death that is the result of consuming alcohol.