Rafael E. Molina v. United States Fire Insurance Company, a Corporation, Rafael E. Molina v. United States Fire Insurance Company, a Corporation

Dr. Rafael Molina, a West Virginia physician, filed this action in the district court seeking a declaration of the rights and obligations of United States Fire Insurance Company (U. S. Fire) under two insurance policies issued to Molina. The district court held in favor of U. S. Fire and Molina has appealed. 1

The insurance policies in question were issued on August 29, 1969, and August 29, 1972, respectively, and among other things, insured Dr. Molina against losses resulting from damages imposed upon him based upon claims for malpractice. The policies, commonly referred to as “catastrophe…