GEORGE B. RYAN, Special Commissioner.
On December 13, 1968, the insured, John Albert Winstead, appellee's decedent, was operating his 1966 one-half ton pickup truck on Kentucky Highway 21 in Madison County, Kentucky when it left the road and struck a telephone pole resulting in his death the same day.
The decedent had purchased a policy of insurance from the appellant, the terms of which provided, among other things, for accidental death benefits:
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