The Supreme Court recognized death from burning alcohol as an insured event
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The Supreme Court of the Russian Federation ruled that death from alcohol poisoning containing methanol is an insured event.
A precedent was the case of an Orenburg resident who died after purchasing “an alcohol-containing product bottled in a plastic container that did not have markings or labels.” The liquid he drank contained methanol.
A resident of Orenburg was a participant in an insurance program, according to which the insurance company assumed the obligation to pay off the balance of the mortgage debt in the event of an accident. When the company refused to pay, the courts of three instances sided with it, pointing to the “voluntary use of alcohol-containing, toxic substances by the insured person.”
The Supreme Court held that the insured had purchased an authorized product and the seller was “carrying out a business related to the sale of food products.” Thus, voluntary “consumption of toxic substances (methanol) with awareness of the possible consequences,” according to the Supreme Court, did not take place.
The case has been sent for review.
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