Except the injured man is not the one who agreed to this contract and commited sucide. He can't be held to a contract he didn't agree to.
So you are saying that insurance companies should not be allowed to abide by contracts they made with the insuree, they should be forced to abide by non-contracts they didn't make with the party injured by the insuree?
Wow! How intellectually vacant of you.
Evidently you believe that the purpose of insurance companies is to give money away to people you feel sorry for.
And I bet you're the first to bitch most and loudest when your insurance rates go up.
The suicidee is the one responsible for the accident. He is the one with the liability. An insurance company agrees, for a fee, to assume a portion of the insuree's liability under specified circumstances. This event fell outside of the specified circumstances.
End of story. Insurance companies aren't Santa Claus.
Aren't you a little old to believe in Santa Claus anyway?