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某个体企业主张为其62岁的母亲图雅、8岁的女儿以及在其企业工作的员工28岁的司机投保保意外伤害保险。为此，他向保险公司详细询问了有关意外伤害保险的具体条件，并与保险公司签订了三份人身保险合同。请回答下列相关问题。有关上述合同履行过程中出现了下列情形，以下说法正确的是：（）A.
设图雅外出散步，因酒后驾车肇事而致图雅死亡，则有权要求保险公司和都承担赔偿责任
B.
设因飞机失事，意外死亡，悲伤过度，沉沦数年，飞机失事3年后欲向保险人要求赔偿保险金，则保险公司有权拒绝死亡的赔偿保险金
C.
设因消极怠工，拒付其保险合同的保险费，则有权起诉要求支付该保费给保险公司
D.
如意外死亡，则上述3份合同效力自动终止
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