By Jerry Carter.  Many liability insurance policies contain exclusions of coverage for intentional acts committed by the policy holder.  A question sometimes arises as to whether the policy holder loses coverage when it commits an intentional act that results in consequences that are different in nature or magnitude than those that were intended.  In a June 27, 2012 Order granting summary judgment, Department B6 of the Business Court stated that an intentional assault caused the policy holder to lose insurance coverage even though the policy holder argued that he did not anticipate the injuries that resulted.

A policy holder under a homeowner’s liability insurance policy struck a victim in the face with his closed fist, causing severe bodily injury.  There was no dispute that the act of striking the plaintiff was intentional, and the policy holder was prosecuted for, and pleaded “no contest” to battery for that intentional act.

The liability insurance policy contained an exclusion for bodily injury which is either “caused intentionally by or at the direction of the insured” or “results from any occurrence caused by an intentional act of any insured where the results are reasonably foreseeable.”  The victim argued that the damages resulting from the battery were covered by the homeowner’s liability insurance policy because the extent of the injuries suffered was unforeseeable.  The Business Court rejected the victim’s argument, stating that the insured party’s intention to strike the victim sufficed to trigger the intentional act exclusion and thereby remove the incident from insurance coverage.

40 Responses

  1. You can certainly see your expertise in the work you write. The world hopes for even more passionate writers like you who aren’t afraid to say how they believe. Always go after your heart.

  2. Wow! This can be one particular of the most helpful blogs We’ve ever arrive across on this subject. Basically Wonderful. I am also an expert in this topic therefore I can understand your hard work.

  3. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time acomment is added I get several emails with the same comment.Is there any way you can remove me from that service? Thank you!

  4. Hey! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains. If you know of any please share. Thanks!

  5. Mantap Bosku….keren main slotnya…saya nonton sambil nyelot…hehe…susah juga ya cara buat penonton rame..hehe kaya abangnya….buat sloter yang mw kasih feedbacknya di tunggu yah…

  6. Howdy! I simply wish to give you a big thumbs up for the excellent information you’ve got right here on this post. I am returning to your blog for more soon.

  7. When I originally commented I clicked the «Notify me when new comments are added» checkbox and noweach time a comment is added I get several emails with the same comment.Is there any way you can remove me from that service?Appreciate it!

  8. I’d like to thank you for the efforts you have putin writing this blog. I really hope to seethe same high-grade content by you later on as well. In truth, your creative writing abilitieshas encouraged me to get my own, personal blog now 😉

  9. Aw, this was an incredibly nice post. Finding the time and actual effort to create a top notch articleÖ but what can I sayÖ I procrastinate a lot and never seem to get nearly anything done.

  10. Hi there! I simply would like to give you a big thumbs up for the excellent info you’ve got here on this post. I’ll be coming back to your blog for more soon.

  11. I was recommended this blog by my cousin. I’m not sure whether this postis written by him as nobody else know such detailed about my trouble.You’re wonderful! Thanks!

  12. autoliker, autolike, Auto Liker, Photo Liker, Autoliker, Autoliker, Auto Like, ZFN Liker, Status Auto Liker, Status Liker, Autolike, auto liker, Autolike International, Photo Auto Liker, auto like, Increase Likes, Working Auto Liker

  13. Thank you for the auspicious writeup. It in reality used to be a enjoyment account it. Look complicated to far delivered agreeable from you! However, how could we be in contact?

  14. Wonderful blog! I found it while surfing around on Yahoo News.Do you have any tips on how to get listed in Yahoo News?I’ve been trying for a while but I never seem to get there!Cheers

  15. สำหรับ..คนยังไม่เคยแตก ทักไปเลยเล่นแล้วปังปังฝาก-ถอน รวดเร็ว ออนไลน์ 24 ชม.

Leave a Reply

Your email address will not be published.