OPINION
GUNDERSON, Justice:
Respondent State Farm issued a $10,000 life insurance policy, insuring the life of Marc Catania, which included an "Accidental Death Section." With the policy in full force and effect, Marc Catania apparently regurgitated and choked to death, a result of "acute narcotism" occasioned by a self-administered heroin injection. State Farm tendered a check to Frank Catania, Marc's father and beneficiary, for $10,361.03 in full settlement...
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