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- W367238900 abstract "American National Property & Casualty Co. v. Wyatt, 400 S.W.3d 417 (Mo. App. W.D. 2013) I. Introduction Insurance policies typically outline the types of liability that an insurance provider will cover and those that the insurer will not. One type of liability that has been highly litigated in recent decades has been liability for related injuries or losses. (1) Today, the provisions that contemplate this type of liability are called pollution clauses. (2) Pollution language, at its most basic level, sets out to limit an insurer's liability for traditional environmental damage. (3) Since its conception, however, insurers have argued that the exclusionary language extends to preclude liability for non-traditional environmental damage. (4) Unfortunately, courts have not ruled on this issue with uniformity. (5) In fact, one court has posited that [r]arely has any issue spawned as many, and as variant in rationales and results, court decisions as has the pollution-exclusion clause. (6) Nevertheless, before American National Property & Casualty Co. v. Wyatt, no court in Missouri had directly addressed whether pollution-exclusion language extended non-liability to pollutants that are not traditional environmental pollutants. (7) In Wyatt, consequently, the Missouri Court of Appeals for the Western District faced the novel issue of interpreting an insurance policy's to determine whether it encompassed non-traditional pollutants. (8) This Note explains the conflicting viewpoints presented in Wyatt and how the court reached its conclusion that the clause does not encompass non-traditional pollutants. Part 11 of this Note describes the facts of Wyatt and the particular position of each party. In Part III, this Note examines the history behind language and the various forces that shaped its evolution. Part IV then considers how other jurisdictions have dealt with clauses and what legal theories or principles shaped their decisions. Finally, Part V argues that the Court of Appeals' rejection of a more broad pollution exclusion better comports with the history behind language and the reasonable expectation of policyholders. II. FACTS AND HOLDING In 2010, Joyce Bentley drove her granddaughter, Megan Wyatt, and her granddaughter's friend, Robin Ferguson, to her apartment for an overnight visit. (9) Upon arrival, Megan Wyatt and Robin Ferguson exited the car in the driveway and entered Bentley's (10) Bentley then parked her car in the garage attached to her apartment. Bentley, however, failed to turn off the car's engine before shutting her garage door and entering the (12) Later that day, police received a call from a neighbor about a suspicious odor. (13) When the police arrived, they found Bentley's vehicle with the engine still running in the garage and the garage door closed. (14) The police then entered Bentley's apartment where they found Bentley and Robin Ferguson unconscious and Megan Wyatt dead from carbon monoxide inhalation. (15) Bentley later died at the hospital. (16) Megan's father, Randall Wyatt (Wyatt), as a result of the incident, filed a wrongful death claim against Bentley and her insurance provider, American National Property & Casualty Company (ANPAC). (17) Robin Ferguson, by and through her father and next friend, also filed a negligence claim against Bentley and ANPAC. (18) ANPAC, in response to the suits, filed a declaratory judgment in the Circuit Court of Jackson County. (19) ANPAC argued that its liability policy did not cover the claims asserted against Bentley. In particular, ANPAC asserted that the clause contained in Bentley's policy precluded coverage for the incident. (21) The parties then filed cross motions for summary judgment. Circuit Court Judge James Kanatzar granted ANPAC's motion and denied the plaintiffs' motion, concluding that the clause found in Bentley's policy precluded coverage. …" @default.
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- W367238900 date "2014-03-22" @default.
- W367238900 modified "2023-09-28" @default.
- W367238900 title "Missouri Court Limits the Reach of the Pollution Exclusion" @default.
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