Stoebner v. South Dakota Farm Bureau Mutual Insurance Co.

[¶ 20.] “The insurer must show that the claim clearly falls outside the policy coverage.” State Farm Mut. Auto. Ins. Co. v. Wertz, 540 N.W.2d 636, 638 (S.D.1995). See also Hawkeye-Security Ins. Co. v. Clifford, 366 N.W.2d 489, 492 (S.D.1985). The policy written by Farm Bureau provides coverage for “an occurrence” which is subsequently defined in part as an “accident.” Although it could have defined what constitutes an “accident,” Farm Bureau chose not to do so. We have defined the word “accident” in the liability insurance policy context to be, “an undesigned, sudden and unexpected event,…