Daybreak Foods, Inc. v. Western National Mutual Insurance Co.

The trial court made a mistake, and our effort to affirm the decision only makes the error more evident.

1.Trial court error.

The trial court concluded that there could be no accident if the damaging event was “due to” a deteriorated valve gasket. But the Western National policy does not state a causation requirement of this kind.

It is true that the policy does not provide coverage for replacement of worn machinery or parts. But when a machine breakdown suddenly occurs, this is an accident. The policy covers losses resulting from accident, and it is fundamentally wrong to deny reimbursement for…