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.
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