Frankenmuth Mutual Insurance v. Piccard

In Group Ins Co v Czopek, 440 Mich 590; 489 NW2d 444 (1992), and Auto-Owners Ins Co v Churchman, 440 Mich 560; 489 NW2d 431 (1992), the companion cases released today, we refined two aspects of our decision in Allstate Ins Co v Freeman, 432 Mich 656; 443 NW2d 734 (1989). First, we concluded that as long as the insured possessed the intent to inflict some type of *541injury, the intentional act exclusion applies, and, second, that the insured’s mental capacity is relevant to determining whether the insured possessed the intent to inflict injury on a third party. In the instant case, we consider…