Auto Club Group Insurance v. Marzonie

Plaintiff Auto Club Group Insurance Company issued an insurance policy to defendant Vernon Clifton Oaks providing coverage for liability caused by an "occurrence,” defined to mean an "accident,” that results in bodily injury neither "expected” nor "intended from the standpoint of the insured.”

The question presented in this action for a declaratory judgment is whether Auto Club is subject to liability for damages that might be assessed against Oaks for personal injury suffered by defendant Michael W. Marzonie, II, as a result of the discharge by Oaks of a firearm.

Six justices rule that there…