6 Mass. App. Ct. 823 | Mass. App. Ct. | 1978
The plaintiff appeals from a judgment for the defendant in a case submitted upon an "agreed statement of facts.” The plaintiff, a beneficiary of two life insurance policies on the life of her son (insured) issued by the defendant, seeks to recover double indemnity under the accidental death provisions of the policies. The insured was killed in the crash of a rented plane which he was piloting. Recovery is excluded under those provisions if the accidental death results from "[tjravel, flight or descent in or from any kind of aircraft... which the [ijnsured is aboard to perform specific duties whether applicable to the operation of the aircraft or not.” Language of an insurance policy which is clear and unambiguous will be given its usual and ordinary meaning (Ober v. National Cas. Co., 318 Mass. 27, 30 [1945]; Kolligian v. Prudential Ins. Co. of America, 353 Mass. 322, 324 [1967]); and exclusionary provisions are to be strictly construed so as not to diminish the protection purchased by the insured. MacArthur v. Massachusetts Hosp. Serv., Inc., 343 Mass. 670, 673 (1962). Vappi & Co., Inc. v. Aetna Cas. & Sur. Co., 348 Mass. 427, 431 (1965), and cases cited. Any ambiguous provision in the policy will be construed against the insurer. Cormier v. Hudson, 284 Mass. 231, 234 (1933). MacArthur, supra. Joseph E. Bennett Co. v. Fireman’s Fund Ins. Co., 344 Mass. 99, 103 (1962). We conclude that the plaintiffs assertion is correct that the exclusionary language quoted above is reasonably subject to more than one interpretation and is therefore ambiguous. Biathrow v. Continental Cos. Co., 371 Mass. 249, 251 (1976). The exclusion, on its face, applies only to one who is aboard an aircraft for the purpose of performing "specific duties.” That term could be read broadly to mean "specific functions,” a reading which would support the defendant’s contention because the insured was aboard the aircraft to perform the specific function of piloting the aircraft; or "specific duties” could be read to mean "legal obligations” (such as those assumed under an employment contract or in military service) in which case only pilots, flight attendants and others aboard
So ordered.