What Causes of Death are not Covered by Life Insurance?

The death of a loved one is hard to take and while a life insurance payout can ease the burden and allow you to continue leaving comfortably, it won’t take the grief or the heartbreak away. What’s more, if that life insurance policy refuses to payout, it can make the situation even worse, adding more stress, anxiety, anger, and frustration to an already emotional period.

But why would a life insurance claim be refused; what are the causes of death that may cause your life insurance coverage to become null and void? If you or a loved one has a life policy, this article could provide some essential information as we look at the reasons a death claim may be refused.

What Causes of Death are Not Covered?

The extent of your life insurance coverage will depend on your specific policy and this is something you should check when filing your life insurance application. Speak with your insurance agent, ask questions, and always do your due diligence so that you know what you’re buying into and what sort of deaths it will provide cover for.

Life insurance policies have something known as a contestability period, which typically lasts for 1 to 2 years and begins as soon as the policy starts. If the policyholder dies during this time, they will investigate and contest the death. 

This is generally true whether her you die of a heart attack, cancer or suicide. However, if this period has passed, they may only contest the death if it results from one of the following.

Suicide

Suicide is a contentious issue where life insurance is concerned. On the one hand, it’s a very serious issue and one that’s often the result of mental health problems, so there are those who believe it is deserving of the same respect as any other illness. 

On the other hand, the life insurance companies are concerned that allowing such coverage will encourage desperate people to kill themselves so their loved ones will be financially secure.

It’s a touchy subject, and that’s why many companies refuse to go anywhere near it. Some will outright refuse to pay out for suicide, but the majority have a suicide clause, whereby they only payout if the death occurs after a specific period of time.

If it occurs before this time, they may return the premiums or pay nothing at all. And if they have reason to believe that the policyholder took their own life just for financial gain, they will almost certainly investigate and may refuse to pay.

Dangerous Hobbies and Driving

If you die in a car accident and it is deemed that you were driving drunk, your policy may not payout. Car accident deaths are common, and this is a cause of death that policies do generally cover, but only when you weren’t doing something illegal or driving recklessly.

Deaths from extreme activities like bungee jumping or skydiving may be questioned, especially if these hobbies were not reported during the application. 

Illegal Acts

Your claim can be denied if you are committing an illegal act at the time of your death. This can include everything from being chased by the police to trespassing. A benefit may also be refused if you die for an intentional drug overdose using non-prescription drugs. 

Smoking or Pre-existing Health Issue

Honesty is key, and if you lie during the application or “forget” to tell them about your smoking status or pre-existing medical conditions, they may refuse to payout. It doesn’t matter if they performed a medical exam or not; the onus is not on them to spot your lie, it’s on you not to tell it in the first place.

This is one of the most common reasons for an insurance contract to be declared void, as applicants go in search of the cheapest premiums they can get and do everything they can to bring those costs down. They may also believe they will get away with their lies, either because they will give up smoking in a few months or years or because they will die from something other than their preexisting condition.

But lying in this manner is risky. You have to ask yourself whether it’s worth paying $100 a month for a valid policy that will payout without issue or $50 for a policy that will likely be refused and will cause endless stress for your beneficiaries.

War

Life insurance benefits generally don’t extend to the battlefield. If you’re a solider on the front line, your risk of death increases significantly, and many insurance policies won’t cover you for this. This is true even if you’re not in active duty at the time you take out the policy. More importantly, it also applies to correspondents and journalists.

You don’t invalidate your policy by going to a war-torn country and reporting, but if you die resulting from that trip, your policy will not payout.

Dismemberment

Your life insurance policy likely won’t pay for dismemberment or critical illness, but there are additional policies and add-ons that will provide cover. You can get these alongside permanent life insurance and term life insurance to provide you with more cover and peace of mind. 

They will come at a significant extra cost, but unlike traditional life insurance, they will payout when you are still alive and may make life easier after experiencing a tragic accident or serious illness.

We recommend focusing on getting life insurance first, securing the amount of coverage you need from a permanent or term life policy, and only then seeing if there is room in your budget for these additional options.

How Often Do Life Insurance Policies Payout?

We have recommended life insurance many times at PocketYourDollars and will continue to do so. We often state that it is essential if you have dependents and want to ensure they’re cared for when you die. But as much as we recommend it and as simple as the process of applying often is, there is one simple fact that we often overlook:

Life insurance companies rarely payout.

It’s a stat you may have seen elsewhere and it’s 100% true. However, contrary to what you might have heard or assumed; this is not the result of a refusal to pay the death benefit when the policyholder passes away. Sure, this accounts for some of those non-payments, but for the most part, it’s down to one of the following:

The Policyholder Survives the Term

The majority of life insurance policies are set to fixed terms, such as 10, 20 or 30 years. If anything happens during this period of time, your loved ones collect your death benefit, but if you survive, the policy ends, no money is paid out, and if you want another policy you will need to pay a larger sum.

The Policyholder Accepts the Cash Value

Whole life insurance policies are like investments crossed with life insurance. Your loved ones get a death benefit if you die, but it also accrues interest and can be cashed out. When this happens, the insurer collects, you get a sum of money, and it feels like a win-win, but in reality, the insurer has just dodged a bullet.

The Policyholder Stops Making Payments

As soon as you stop making your premium payments, you lose cover and you run the risk of your policy being canceled. This is true for pretty much any type of policy and it happens regardless of the policy term. 

Unlike a credit card company, which may chase you for payments, a life insurance company will place the burden of responsibility on you. After all, a creditor loses money when you don’t pay, whereas a life insurance company comes out on top.

This often happens when individuals take out substantial life insurance policies at a young age, only to suffer drastically changing circumstances. Imagine, for instance, that you’re 20-years-old and you buy a house with your spouse-to-be, with a view to settling down and starting a family. You assume that you’ll need it for a long time, so you take out a 30-year-term.

But 10 years down the line, your spouse leaves you, the family you wanted didn’t happen, and you’re all alone with no dependents, and with growing debts, bills, and obligations. At that point, life insurance becomes a burden, so you may stop making payments, thus allowing the insurance company to profit from 10 years of insurance premiums.

Summary: It’s Not That Cut-Throat

You don’t have to look far to find consumers who feel they have been wronged by life insurance companies, consumers who will expend a great deal of time and effort into calling out these companies for their perceived wrongdoings. But they often exaggerate the situation due to their extreme anger and this creates unrealistic anxieties and expectations.

The truth is, while there are people who have been genuinely wronged, they are in the extreme minority. The vast majority of family members who were refused a death benefit were let down by the policyholder and by the lies they told on their policy.

Policyholders lie about their weight, smoking status, and medical conditions, and when caught up in this lie, they often claim they made an honest mistake. But the truth is, most life insurance companies will overlook simple mistakes and only really care when it’s obvious that the policyholder lied. 

And let’s be honest, it doesn’t matter how forgetful you are, you’re not going to forget that you’re a chain smoker, alcoholic, drug user, extreme sports fan or that you recently had a medical crisis!

If the policy was filed honestly, you shouldn’t have an issue when you collect, even if it’s still in the contestability period. As discussed above, life insurance companies stack the dice in their favor. They use statistics and probability to carefully set the premiums and benefits, and they rely on policyholders forgetting to pay and outliving the term. They don’t need to “rob” you in order to make a profit. So, be honest when applying and you won’t have anything to fear.

What Causes of Death are not Covered by Life Insurance? is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

Cheap Charter Bus

A start-up company with an Uber-like business model plans to offer cheap bus fares from the lehigh valley … which relies on contracts with third-party charter and tour bus companies to carry …

2017 Charter bus While FlixBus handles the booking, customer service, and marketing, the bus routes will be handled by the company’s regional partners: Arrow Stage Lines, American Explorer Motorcoach, Gray Line …

20 Person Party Bus rental charter buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have been flocking to a new bus service between Prince George and Surrey since … What Does A Limo Look Like Party Busses sacramento

In a rather creative promotion, Australian airline Qantas has released a selection of incredibly cheap first and business …

Arriving into Gran Canaria airport, it feels like any other efficient, cheap and cheerful holiday airport … private cars (22%), with passengers crossing over the bus lane to reach the terminal. …

Charter a Bus Pricing Summary • Charter a Bus. This has been a simple explanation of the basics to quoting charter bus transportation. Pricing can become a complex calculation depending on the complexity of the itinerary. The charter bus rental quotes you receive from CharterBusAmerica.com are calculated automatically.

Besides Cheap Charter buses, we offer Bus Charter Rental, party buses, executive mini buses, shuttle buses and more. Contact Nationwide charter bus rental and treat yourself to an experience of high class and luxury and all of this at affordable rates.

OurBus, founded in 2016, bills itself not as a transportation company, but as a tech company that partners with charter bus companies to offer "efficient, mobile-based" rides. Customers can buy …

Cheap Shuttle Bus For Sale There are traditional Chinese handicrafts for sale … you can catch a bus to Shunde Qu, around 1.5 kilometres to the east. … Rental Charter Buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have
Limos Prices Per Hour Starting in January, ride-hailing companies will start paying drivers around $17.22 per hour (after expenses … and allowed the city’s Taxi and Limousine Commission to set minimum pay rates (which … Find great prices on hourly limo rentals in your area. Search and compare limo prices and reviews. Book a limousine online or call 877-404-0552.
15 Passenger Van Rental Cleveland 15 passenger Van rental from National Car Rental in United States, with powerful features to suit your business or vacation travel needs. What Does A Limo Look Like Party busses sacramento (cbs13) — cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A

Charter Bus Pricing and Charter Bus Rental Types. Home / Charter Bus Pricing and Options; Looking for a Charter Bus Rental? Chartering a bus can be the perfect north american transportation solution for any type of event. But before you can hit the road, you must first pick out your new ride.

Searching for the Affordable Charter Buses Near Me or Cheap Charter Bus Rental Around Me? We have a Wide Selection of Cheap Charter Buses Near You in our Fleet

Limos Prices Per Hour

Starting in January, ride-hailing companies will start paying drivers around $17.22 per hour (after expenses … and allowed the city’s Taxi and Limousine Commission to set minimum pay rates (which …

Find great prices on hourly limo rentals in your area. Search and compare limo prices and reviews. Book a limousine online or call 877-404-0552.

20 Person Party Bus rental charter buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have been flocking to a new bus service between Prince George and Surrey since … What Does A Limo Look Like Party Busses sacramento

On Wednesday, the judge ruled against the ride-hailing company (nasdaq: lyft) and in favor of the city and its Taxi and Limousine Commission’s rule that drivers make at least $17.22 per hour. City …

On top of price hikes is new … The wage rule, passed in December by the city’s Taxi and Limousine Commission, guarantees drivers minimum gross pay of $27.86 an hour, so that their pay after expenses …

“[W]e notified the Taxi & Limousine Commission and the Court that we do not intend … And on Friday, Lyft told CityLab it would be paying its drivers the per-hour minimum wage, but will be …

15 Passenger Van Rental Cleveland 15 passenger Van rental from National Car Rental in United States, with powerful features to suit your business or vacation travel needs. What Does A Limo Look Like party busses sacramento (cbs13) — cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A

32 rows  · We provide reliable, quality limousine and town car service 24/7. Call 1.888.595.4662 for reservations or book on-line.

Cheap Shuttle Bus For Sale There are traditional Chinese handicrafts for sale … you can catch a bus to Shunde Qu, around 1.5 kilometres to the east. … Rental Charter Buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have

Rates start at $99 per hour, or $89 per hour for four hours or more. “Other limo companies are not willing to do trips under two hours. We’re open to trying to customize for whatever the customer …

limo service prices paramount ca (323)709-5373 CHEAP LIMO prices & limo rates per hour  Paramount Jul 19, 2015  · Limousine prices per hour in charlotte. ballantyne limo offers the best limousine prices per hour in Charlotte. We are proud to say that we provide an excellent service for any event. Charlotte is a city that is home to many events. You can have a lot of fun in Charlotte. There are many concerts to attend and many other things to do.

15 Passenger Van Rental Cleveland

15 passenger Van rental from National Car Rental in United States, with powerful features to suit your business or vacation travel needs.

What Does A Limo Look Like Party busses sacramento (cbs13) — cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor
Rental Charter Buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have been flocking to a new bus service between Prince George and Surrey since … What Does A Limo Look Like Party Busses sacramento (cbs13) — cannabis

2017 Chevy 15 Passenger At Enterprise Rent-A-Car INDEPENDENCE, Ohio — Theft, Quarry Lane: A man reported finding that two company vans parked at a DoubleTree hotel had been … The suspect told police he also had an AK-15 rifle in the room. …

Apr 25, 2011  · Whre can i rent a 15 passenger van in cleveland ohio in dec? Where can I rent multiple 15 or 12 passenger vans in Cleveland, Ohio? … Looking to rent a 15 passenger van in cincinnati ohio? Answer Questions. What are the best gay bars/clubs in Cleveland? Coco key or great wolf lodge? I need to know the approximate time it would take to drive …

20 Person Party Bus rental charter buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have been flocking to a new bus service between Prince George and Surrey since … What Does A Limo Look Like Party Busses sacramento

The park in Michigan on Lake Superior now has 15 wolves following the transfer of seven from Canada … s collection of scripts from the classic 1960s sitcom “The Dick van dyke show.” The scripts are …

[embedyt]//www.youtube.com/embed/w8oVVAEl7rc[/embedyt]

15 Passenger van rental ford Transit Wagon or similar. 15 Passenger Van Details. Going on a kids’ team road trip? Need a vehicle to get around town with a large family or group? A full size, 15 passenger van is the most convenient choice and is a great alternative to renting a bus. Van rental is available across many enterprise locations including:

Cheap Shuttle Bus For Sale There are traditional chinese handicrafts for sale … you can catch a bus to Shunde Qu, around 1.5 kilometres to the east. … Rental Charter Buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have

The challenge comes with the actual touring: seven guys crammed in a 15-passenger van … dodging bullets in Cleveland while loading out from this one place. We got our hitch stuck in Richmond, …

The program provides a way to carpool using vehicles large enough for six to 15 people. A travel study conducted in 2013 … Riders in a vanpool rent a van, then split the costs of fuel and …

Rent a 15 Passenger Van for Your Vacation or Next Outing! Travel Comfortably. We are proud to offer a selection of affordable and reliable vans to make your family vacation, fishing trip, road trip or hunting party a safe and easy adventure. Learn More. Affordable Rates.

City Brew Tours in Cleveland will operate with one 15-passenger van but, he said, multiple bookings and large-party private events will mean renting additional vehicles. So far, Cleveland-based …

20 Person Party Bus

rental charter buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have been flocking to a new bus service between Prince George and Surrey since … What Does A Limo Look Like Party Busses sacramento (cbs13) — cannabis

The 37-year-old reality star hired a party bus to ensure she and her friends could arrive back to the all-girls Marymount High School in California in style in order to enjoy a celebration which …

Party Bus New Orleans has all the amenities you are looking for in our custom vehicles.Party Bus New Orleans LA is known to be the best transportation service in all of the state of Louisiana!. Party Bus New Orle ans customers are all smiles when it comes to our service and buses. Don’t ever worry about finding a parking spot, relying on a designated driver, or getting a DUI.

20 Passenger Ultimate Party Bus Welcome to cali party bus san diego. san Diego’s premier limo and party bus company. We provide San Diego with luxury limo and party buses for any occasion seating up to 56 people!

Cheap Shuttle Bus For Sale There are traditional Chinese handicrafts for sale … you can catch a bus to Shunde Qu, around 1.5 kilometres to the east. … Rental Charter Buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have

Drink, dance, and party the night away with friends before (or after) your prom, bachelor party, birthday party, or corporate event with seattle party bus rentals and you surely won’t be disappointed.

Party Bus remains committed to providing a quality night out, visiting the best venues in each city. The reason we have been in business for over 20 years is that we are careful about who we book on board for your and others enjoyment.

Two men on a party bus were shot and wounded early Saturday on the … Shots were fired at the bus from inside another vehicle and wounded two men, police said. About 20 people were on the bus …

Party Busses SACRAMENTO (CBS13) — Cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor vehicle that

The attack occurred around 2:20 a.m. on February 10 when a group of tourists walked out of their hotel and spotted several people hanging out of a parked party bus harassing a homeless woman at the …

What Does A Limo Look Like Party Busses sacramento (cbs13) — cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor

Party Bus Nashville, TN is the leading limo service provider. book cheap nashville party buses, limo rentals, and motor coaches here. Call today!

(WBAY) – An october 2018 limousine crash in New York that killed 20 people has raised concerns about safety and … and we inspect everything that we possibly can," says Galen Sherbon owner of AWE …

Cheap Shuttle Bus For Sale

[embedyt]//www.youtube.com/embed/4sO5QYvd9bg[/embedyt]

There are traditional Chinese handicrafts for sale … you can catch a bus to Shunde Qu, around 1.5 kilometres to the east. …

Rental Charter Buses but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the … An better-than-expected number of passengers have been flocking to a new bus service between Prince George and Surrey since … What Does A Limo Look Like Party Busses sacramento (cbs13) — cannabis
What Does A Limo Look Like Party Busses sacramento (cbs13) — cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor

Now 28 apartments, detached homes and townhouses have been put up for sale with … a courtesy shuttle bus to Bushey station. Caroline Comer of Comer Homes said: ‘Royal Connaught Park has a really …

Buses For Sale is the number one "bus stop" for buses, motorcoaches and RV conversions on the web. We have a wide variety of buses to choose from, including school buses, tour/charter buses, mini buses, double deckers and RV conversions.

New and used MCI, Eagle, Van Hool, Prevost and many other makes of new and used busses for sale. Browse hundreds of listings from $8,000 to $800,000

Motors.co.uk Limited is authorised and regulated by the Financial conduct authority (frn 695329). Motors.co.uk is a credit broker and works with credit brokers, lenders and their appointed …

Low Reserve LIQUIDATION SALE We have 10 Shuttle buses for immediate liquidation. You are bidding on a 2010 Ford E-350 Shuttle Bus. 12 passenger capacity. V8 Diesel Engine with 121,744 Miles. 1 owner fleet maintained. Low Reserve auction. We are marketing this unit locally so we reserve the right to cancel the auction if it becomes sold.

Party Busses SACRAMENTO (CBS13) — Cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor vehicle that

Rental Charter Buses

but the district revoked the charter for Excellence before that term was up. As of Wednesday night, MCSB did not have the …

An better-than-expected number of passengers have been flocking to a new bus service between Prince George and Surrey since …

What Does A Limo Look Like Party Busses sacramento (cbs13) — cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor
Party Busses SACRAMENTO (CBS13) — Cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor vehicle that

How Much Does a Charter Bus Cost? Welcome to National Trails, where we have a modern fleet of luxury highway coaches ready to take you to your intended destination!Our clean and modern coaches can carry up to 56 passengers and offer absolute comfort and luxury. If you’re looking for a reliable, affordable and safe bus charter service to take you on a trip of a lifetime, look to National Trails.

AAA Motorcoach is the source for bus rentals, charter buses, motorcoach, for travel, wedding, prom, party buses, executive, business, and special events needs. Town …

usa bus charter offers one of nations largest fleets of deluxe new and late model charter buses, tour buses, shuttle buses, school buses, limousine buses and specialty entertainer coaches nationwide. We provide one of the most diverse fleets under one roof anywhere in North America.

The Pre-Eminent Coach Charter Bus Rental company. hire charter Bus Company has been around since 1994 as a family owned and operated charter bus Company Near Me. We’ve seen just about everything you can imagine. Including other companies claiming to be the best, even though they were only around for a few months or a couple of years, at best.

Are we going into the charter business or aren’t we?” Committee member Skipper Manter said he didn’t think the school should …

cardinal buses 2018 large Fleet Vision Award Winner! Matt Shoup and Dan Shoup (MBMCA Board Director), Cardinal Buses, Middlebury, IN, accept the award …

What Does A Limo Look Like

Party Busses sacramento (cbs13) — cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now … Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you … A party bus is a large motor vehicle that

Offer a limo ride to the Oregon wine region to sample some … and using numbers to illustrate the way Green imposes himself …

2003 Lincoln Town Car Cartier Limousine Start Up, Engine, and In Depth Tour Like most limousine companies, city limo offers different styles and sizes of vehicles including simple sedans, vans, limousines, stretch limousines, and buses.

Sep 11, 2017  · The guys over at Vehicle Virgins has made a great video about what a $166,000 Sprinter limousine looks like. Take a look at this great sprinter video they made that shows you why the Sprinter limousines are so popular. We have several options with laac car service when it comes to Sprinter limousines. You…

This season, the hottest guy in the room is Luke, who looks … It seems like a stunt you’d pull if you were trying to seize …

It looks like it’s going to be a bumpy ride … peter makes quite the entrance when he steps out of the limo on the first …

Feb 12, 2007  · I’m not a big fan of gas-guzzling, military style, in-your-face vehicles like this hummer/humvee wannabe. But, I couldn’t help but be impressed with this big, freaking people carrier. The driver …

Party Busses

SACRAMENTO (CBS13) — Cannabis tourism is an industry that has grown from the legalization of marijuana in California. Now …

Kansas City, MO – A party bus could be a fun transportation option for prom or any other event, but there’s a few thing you …

2015 Amazing Party Bus Bellagio by Elite Chicago Limo A party bus is a large motor vehicle that typically derives from a conventional bus or coach, but modified into a style of vehicle that is suitable for dancing (where permitted by law). Party Buses are commonly referred to having a nightclub style feel, but on wheels.

Price 4 Limo makes it easy to book limo services, party buses and charter buses nationwide. compare vehicles and prices in less than 30 seconds!

A party bus can be a fun and safe way to transport a group of people to or from an event. A party bus can be anything from a retrofitted school bus complete with disco lights, to an upscale shuttle service, to a stretch Hummer with a full bar.

Just imagine traveling houston texas limousine service with all your friends in a party bus with a jammin’ sound system that keeps the party going even while you’re en route. Rent a party bus when you’re planning a birthday bash, bachelor party, graduation gathering or any other occasion. It’s the safest – and coolest – …

Vivian McPeak, the director of HempFest, and Darrin Grondel, the director of the Washington traffic safety commission, sat …