EBEL, Circuit Judge. “Probably it is true to say that in the strictest sense and dealing with the region of physical nature there is no such thing as an accident. On the other hand, the average man is convinced that there is, and so certainly is the man who takes out a policy of accident insurance.” Landress v. Phoenix Mut. Life Ins. Co., <a href="/opinion/102223/landress-v-pho…
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