4 ms·1 in 10 chance isn't a freak accident, its called being reckless and I don't see anything to feel bad about.by AJ007 15y ago1 in 10 chance isn't a freak accident, its called being reckless and I don't see anything to feel bad about.there 15y agoi wonder if, assuming he had one, his life insurance policy will pay out or if this will be considered a reckless action on his part.dstein 15y agoI think most insurance policies cover someone while in their own country. Outside of his country would be travelers insurance.