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- W342121795 abstract "American Home Assurance Co. v. Pope, 360 F. 3d 848 (United States Court of Appeals for Eight Circuit--April 20, 2004) (applying Missouri law) Beckwith v. State Farm Fire & Casualty Co., 83 P. 3d 275 (Nevada Supreme Court-January 30, 2004) A variant of the fortuity/intentional act question arises when an insurer argues that a loss or claim is not the result of an occurrence under a policy. The term occurrence is usually defined to mean an (including continuous or repeated exposure to conditions, a part of the definition that negates any suggestion that an accident must be brief or isolated in time to be within coverage). Insurers seek to defeat coverage for what they regard as questionable claims by arguing that the loss is not the result of an accident. By doing this, the insurer attempts to avoid precedent and ground rules of insurance coverage that are more advantageous to the policyholder. Under these ground rules of coverage, it is the policyholder's burden to show that a matter comes within coverage (e.g., that the loss stems from an accident). But if this point is conceded or the policyholder shoulders the burden, the burden of persuasion then shifts to the insurer if the insurer is seeking to successfully interpose an exclusion to coverage, whether the exclusion be for an intentional act, expected or intended injury, self-inflicted injury, or a act. Consequently, if the insurer can draw the coverage battle lines on the plain of the accident/occurrence definition rather than on one of these fortuity-based exclusions, the insurer is potentially relieved of its need to shoulder the burden of persuasion as well as the maxim that exclusions are strictly construed against the insurer and in favor of coverage. This can make a difference in case results. For example, in American Home Assurance Co. v. Pope, 360 F. 3d 848 (8th Cir. 2004) (applying Missouri law) the insurer sought to invoke a criminal act exclusion in a case in which a psychologist had failed to report child abuse dangers posed by one of the doctor's patients and failing to report past abuse, a crime under relevant state law. The insurer argued that a crime is a crime is a crime and that, therefore, the criminal act exclusion barred coverage for the doctor sued by the other parent for failing to warn of future abuse dangers. The trial court accepted this defense but the Eight Circuit reversed, concluding that although the policy in question may have excluded coverage of the criminal misconduct claim, [the insurer] did not show that any exclusion applied to [the] claim that [the policyholder] breached a common law duty to notify the child's mother and caregivers of the dangers posed by the father. …" @default.
- W342121795 created "2016-06-24" @default.
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- W342121795 date "2004-09-01" @default.
- W342121795 modified "2023-09-26" @default.
- W342121795 title "Courts Take Different Approaches to Issue of Liability for Volitional Policyholder Misconduct Causing Injury" @default.
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