Auto-Owners Insurance v. Churchman

The exclusionary language used by the insurer in the insured’s policy provides that coverage will be precluded where "bodily injury [is] expected or intended by an insured person.”1 Because this language is analogous to that used by the insurer in Metropolitan *574Property & Liability Ins Co v DiCicco, 432 Mich 656, 676; 443 NW2d 734 (1989), we must apply the subjective standard, as interpreted in DiCicco, to the facts of this case. Moreover, in the instant case, we must evaluate the one exception to the exclusionary language, i.e., whether the insured, stipulated by the parties to be insane for…