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1. The plaintiffs' claims against the defendants are all dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
1. Basic facts
A. Plaintiff B entered into each insurance contract with the Defendants as the insured of the basic content, such as the separate list, as indicated in the separate list (hereinafter “each of the instant insurance contracts”). The main contents of each of the instant insurance contracts are as follows.
Next, I will pay the beneficiary the proceeds of death in accordance with this Special Clause if the insured specified in the insurance policy dies as a general injury (including injury while driving without a license) during the insurance period.
XI.(Non-compensation.)The Company shall not compensate for any injury resulting from a general injury (including injury during driving with or without a license) resulting from any of the following causes, not directly or indirectly.
1. The intention of the insured;
4. Self-injury, suicide, attempted suicide, criminal act or violence of the insured;
5.The death resulting from general injury (Definition of Death) of an insured person due to a disease, brain disease or mental or physical disorder of the insured person refers to:
1. Article 13 (Damage) of the General Terms and Conditions for Free Design Franchise Insurance (Liability) of the General Terms and Conditions for Free Distribution Alidine Ⅳ in the event that the insured suffers from an injury caused by a sudden and rapid external accident and dies within one year from the date of the accident (hereinafter referred to as "general injury") 1 of the insurance period, the company shall compensate for the damage caused by the injury in accordance with the Terms and Conditions as a direct result of the accident.
(2) The term "general injury" referred to in paragraph (1) means the physical injury sustained due to an external accident (hereinafter referred to as "ordinary accident") which is sudden and incidental.
XIV (Non-compensationable Damages) The Company shall not compensate for any damages arising out of the following causes, not direct or indirect, of the cause:
(1)