Opinion ID: 1601810
Heading Depth: 1
Heading Rank: 3

Heading: Pertinent Insurance Provisions To Be Considered

Text: Bollinger asserts coverage under his homeowner's insurance policy procured from Tri-State. This homeowner's insurance policy provided the following. Under Section IILiability Coverage, subsection Coverage EPersonal Liability, the policy stated: If a claim is made or a suit is brought against an insured for damages because of a bodily injury ... caused by an occurrence to which this coverage applies, we will: 1. Pay up to our limit of liability for the damages which the insured is legally liable. Damages include prejudgment interest awarded against the insured; and 2. Provide a defense at our expense by counsel of our choice, even if the suit is groundless, false or fraudulent. Under the subsection titled Coverage FMedical Payments to Others, the policy provided: We will pay the necessary medical expenses that are incurred or medically ascertained within three days of an accident causing bodily injury ... as to others, this coverage applies only: 1. To a person on the insured location with the permission of an insured. Under Subsection IIExclusions of the policy, it is stated: 1. Coverage EPersonal Liability and Coverage FMedical Payments To Others do not apply to bodily injury or property damage: A. Which is expected or intended by the insured. These provisions of the homeowner's insurance policy are at the crux of the dispute between Bollinger and Tri-State. We have digested issues I, II, and III above under two discussions/holdings, infra.