Haynes v. American Casualty Co.

This appeal questions the construction given by the trial court to the term “caused by accident” in an insurance policy.

The case was submitted below upon a stipulation of facts. The appellant, Mack C. Haynes, individually and trading as Joppa Contractor (plaintiff below), had purchased a manufacturer’s and contractor’s liability policy from the appellee, American Casualty Company (defendant below), to cover against accident in his excavating operations. The policy includes :

“Coverage B—Property Damage Eiability: To pay on behalf of the insured all sums which the insured shall become legally…