The widow of an Old Lyme resident filed a lawsuit late Tuesday against Fidelity Life Association Insurance Co., claiming it failed to pay her $275,000 on an accidental-death policy after her husband died when his car hit a tree.

The crux of the case, according to New Haven solo practitioner John Keyes, is that Fidelity Life is refusing to pay on the policy because the state’s Office of the Chief Medical Examiner ruled her husband’s death on July 26, 2016, a suicide. If John Lavoie killed himself, the accidental-death policy would be void. Keyes is representing Noreen Lavoie, John Lavoie’s widow.

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