Question 51

A commercial pilot or crew member would NOT be covered under the exclusion clause if death resulted.

In the context of the exclusion clause, a commercial pilot or crew member is typically excluded from coverage, as their occupation often involves higher risk factors associated with aviation duties.

A) Army officer killed in the line of duty

This scenario would likely be covered under the exclusion clause, as it pertains to military service. Many insurance policies provide coverage for individuals who suffer fatalities while serving in the military, recognizing the inherent risks of such duties.

B) A fare-paying passenger in a regularly-scheduled airline

A fare-paying passenger is generally covered under standard insurance policies, as they are not engaged in any high-risk activities. The exclusion clause does not typically apply to passengers who are not involved in the operation of the aircraft.

C) Commercial pilot or crew member

Commercial pilots and crew members are usually excluded from coverage under most insurance policies due to the elevated risks associated with flying as part of their profession. Consequently, if a death occurs in this capacity, it would not be covered by the exclusion clause.

D) A spectator at an auto race

A spectator at an auto race may be exposed to risks; however, they are often covered under liability insurance provisions. Insurance policies may account for accidents occurring in spectator areas, thus providing coverage in the event of death.

Conclusion

The exclusion clause clearly states that commercial pilots and crew members are not covered, making option C the correct answer. In contrast, the other scenarios provided either involve individuals who are typically covered by insurance or fall under specific provisions that account for their circumstances. This distinction is critical in understanding the limitations of coverage related to high-risk occupations.