When an Airline Answers for an Injury or Death: Article 17
Article 17 of the Montreal Convention governs passenger death and bodily injury. Under it, the carrier is liable for the death or bodily injury of a passenger if the event that caused it was an accident that took place on board the aircraft or in the course of embarking or disembarking.
The word "accident" does a great deal of work. In Air France v. Saks, 470 U.S. 392 (1985), the U.S. Supreme Court described an accident as an unexpected or unusual event or happening that is external to the passenger. Saks was decided under the Warsaw Convention, and U.S. courts apply its definition to Montreal Convention Article 17. A reaction that comes only from a passenger's own condition during a normal flight may fall outside that definition, while something that happens to the passenger from outside may fall within it. Whether a specific event qualifies depends on the facts.
Article 17 claims run on a two-tier structure. Up to a threshold set in Special Drawing Rights (SDRs), an international unit of account maintained by the International Monetary Fund, the carrier cannot escape liability by showing it was not at fault. Above that threshold, the carrier may limit or avoid liability only by proving the damage was not due to its own negligence or wrongful act, or that of its servants or agents, or that it was solely due to the negligence or wrongful act of a third party. The threshold is reviewed periodically, and its dollar value moves with exchange rates.
For a family after a death, or a passenger with serious injuries, the second tier matters most. It places the burden of proof on the airline rather than on the injured person. A claim still has to show an accident within Article 17, a bodily injury or death, and a link between the two.
Those three elements suggest what may be worth collecting: an account of where the event happened (on board, boarding or leaving the aircraft), what happened from outside the passenger, and medical records tying the injury to it. Whether an event counts as an "accident" is often the first question an attorney can help sort out.