Voluntary Exposure to Unnecessary Danger Law and Legal Definition

Voluntary exposure to unnecessary danger refers to an intentional exposure to unnecessary danger. It implies a conscious knowledge of the danger. From the stand point of a reasonable person, a voluntary exposure to unnecessary danger gives rise to an undue risk of harm.

Generally, voluntary exposure to unnecessary danger applies to every risk. [Landau v. Travelers' Ins. Co., 315 Mo. 760 (Mo. 1926)].

In a life insurance contract, voluntary exposure to unnecessary danger means something more than contributory negligence, or the want of ordinary care on the part of the assured. [Travelers' Ins. Co. v. Randolph, 78 F. 754 (6th Cir. 1897)].