Results · Interpleader · Beneficiary disputes

Former fiancée keeps a full accidental death benefit and half of a second policy

Two fiancées claimed an insured's accidental death and life benefits. The claims settled at mediation, and the court ordered the full accident benefit and half of the second policy paid to our client.

Amount
$105,000 (paid to our client, individually and for the estate she represented, with interest)
Counsel
Interpleader Law
Result for
The named beneficiary, individually and as personal representative of the insured's estate, our client
Case
Combined Insurance Co. of America v. Skipper
Court
U.S. District Court, Middle District of Florida
Docket
No. 3:17-cv-00749-BJD-JRK
Decided
July 30, 2018
Issue
Competing claims by two fiancées to accidental death and life benefits, resolved by a court-ordered settlement

The insured held two policies with Combined Insurance. An accident-only policy paid $50,000, and its application named our client, then his fiancée, as the sole beneficiary. A second policy carried $50,000 of life coverage and $50,000 of accidental death coverage, but its beneficiary line read only “Casey Lewis, Fiance,” which left unclear who was meant. He died in a car crash in April 2017. By then he was engaged to someone else, and she claimed both policies.

Combined filed an interpleader in federal court in Jacksonville and deposited about $156,000. We represented our client individually and as personal representative of the insured’s estate. The claimants settled at mediation in July 2018. The court’s consent judgment awarded our client the entire accident-only benefit with interest and split the second policy’s proceeds equally between the estate and the other claimant. With interest, the court registry paid our client $105,514.

What it shows. A clear designation on one policy can anchor a settlement on another policy whose designation is unclear.

Read the court's order

Past results do not guarantee a similar outcome. This summary describes the court's ruling; it is not legal advice about any other case.

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