Insurance 101 – Chapter 5 – Volume 37 – Intentional Acts – 2

 Intentional Acts – 2

One of the most extreme situations where an insured almost got coverage for an intentional act occurred in State Farm General Insurance Company v. Patrick Frake et al. The California Court of Appeal reversed a trial court by concluding that an intentional act that causes injury, whether the injury itself was intended by the actor or not, is not an “accident” nor an “occurrence” as those terms are used in a liability insurance policy. It thus concluded that the insurer neither owed defense nor indemnity.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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