State Farm Mutual Automobile Insurance v. Martin

WIEAND, Judge:

The issue in this appeal is whether State Farm Mutual Automobile Insurance Company is liable to indemnify its insured, Frederick Martin, for damages caused by intentional acts under a policy providing liability coverage for bodily injury and property damage “caused by accident.” The facts were stipulated by the parties and submitted to the court in an action for declaratory judgment. The trial court held that, even if the insured had acted intentionally and criminally, the damages were accidental from the perspective of the injured claimants; and, therefore, the insurer was…