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• W311231678 abstract "I. Introduction Individuals purchase liability insurance for one primary purpose: to shift liability to an insurer for injuries they may cause.' In order to protect themselves from liability for intentional injuries, insurance companies typically state in policy agreement that coverage does not extend to . . . which is or by insured 2 A policy with such an exclusion clause clearly does not cover injuries wrongfully caused by intentional torts of an insured person.3 Over past few decades, however, a more difficult issue has arisen: whether such a clause also excludes from coverage injuries caused by an insured person's intentional acts taken in self-defense.4 This Note examines a case that wrestles with this issue. In Auto-Owners Insurance Co. rs. Harrington, decided July 29, 1997, Supreme Court of Michigan held that, according to plain language of exclusion clause at issue, injuries caused by intentional self-defensive acts, even if legally justifiable, are excluded from coverage; thus, an insurer has no duty to defend or indemnify an insured under such circumstances.5 Part II of this Note provides general background on how various state courts view issue. Part III briefly outlines facts in Harrington case and court's holding. Part IV analyzes court's reasoning in detail, as well as reasoning of other courts on both sides of issue. This Note concludes that Michigan court's freedom of contract reasoning is sound; further, it offers additional support for view that injuries caused by intentional acts taken in self-defense are indeed or from standpoint of insured, and are thus properly excluded from coverage. II. BACKGROUND In holding that injuries caused by intentional acts taken in self-defense are excluded from coverage under an expected or injury clause, Michigan Supreme Court joined what Florida Supreme Court called the majority of jurisdictions.6 While these courts recognize a legal right of individuals to defend themselves, they generally point to the sanctity of parties to freely contract7 and find that language of exclusion clause at issue unambiguously precludes coverage.' Other jurisdictions, however, do not find this mechanical interpretation appropriate;9 these jurisdictions find that language of such exclusion clauses is ambiguous and justify their holdings with various public policy arguments.lo The law on whether intentional acts taken in self-defense are properly excluded from liability coverage is, however, still in a state of flux. Many state courts have yet to address issue, and at least one state supreme court has changed its mind as to how these clauses should be interpreted.ll Therefore, although this Note specifically examines decision of Michigan Supreme Court, it has broad application; it is simply a matter of time before other state courts are forced to examine (or reexamine) this issue. lII. Auto-Owners Insurance Co. v, Harrington A. Facts James Harrington (Harrington), defendant in this declaratory relief action, was holder of a liability insurance policy issued by plaintiff, Auto-Owners Insurance Company (AutoOwners).l3 Under terms of this policy, Auto-Owners had a duty to pay damages resulting from covered bodily injuries to third parties caused by insured and to defend insured in civil actions arising out of such injuries.l4 The policy specifically excluded from such coverage any . or intended by insured.l5 During afternoon of August 1, 1989, Brian Tew (Tew), who was living with Harrington's neighbor, became intoxicated and aggressive toward members of Harrington's family.l6 Tew's behavior became more erratic as evening progressed; he threatened to kill Harrington's nephew and was later observed firing an automatic weapon into a nearby lake. …" @default.
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• W311231678 title "Auto-Owners Insurance Co. v. Harrington: Resisting the Impulse to Judicially Rewrite Exclusion Clauses" @default.
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