State Farm Fire & Cas. Co. v. Motta

II. Analysis

The parties properly invoke our diversity jurisdiction, requiring we apply federal procedural law and Pennsylvania substantive law governing the interpretation of insurance contracts.22 The parties argue our decision turns on a single question of law: is Julia Morath's death by suicide an "occurrence," defined as an "accident," triggering State Farm's duty to defend under Pennsylvania law? We find these events constitute an "occurrence" and State Farm must provide a defense to Zach Trimbur under the Policy.

An insurer's duty to defend "requires the insurer to cover the costs of…