The law or Justice
In E.M.M.I. Inc. v. Zurich American Insurance Co., 84 P.3d 385, 393 (Cal. 2004) the California Supreme Court, apparently rejecting its own, well-established, rules of construction of insurance policies, re-wrote the wording of a jewelers block policy. In what appears to be a case of reasoning backwards to provide insurance coverage for a jewelry salesman who was exceedingly stupid—he left his jewelry in his car with the keys in the ignition and the engine running to check on a clanking noise—only to have a thief jump in the car and drive away with the jewelry, the Supreme Court has compelled insurers to make their coverage more restrictive.
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