Opinion ID: 1280881
Heading Depth: 1
Heading Rank: 7

Heading: Coverage triggered at the time of an injury-in-fact

Text: Under this theory, coverage is triggered whenever the damage can be shown in fact to have first occurred, even if it is before the damage became apparent, and the policy in effect at the time of the injury-in-fact covers all the ensuing damages. This theory covers instances where an insured may be able to prove in retrospect that damage occurred during the policy period even though damage was not yet manifested at the time. [2] Sentinel, supra ; Abex Corp. v. Maryland Cas. Co., 790 F.2d 119 (D.C.Cir.1986). Because we find the injury-infact trigger consistent with the policy's requirement that damage occur during the policy period, we adopt it in conjunction with a continuous trigger of coverage. See U.S. Gypsum Co. v. Admiral Ins. Co., 268 Ill.App.3d 598, 205 Ill.Dec. 619, 643 N.E.2d 1226 (1994) (injury-in-fact trigger and continuous trigger are on the same continuum and are complementary); Industrial Steel Containers Co. v. Fireman's Fund Ins. Co., 399 N.W.2d 156 (Minn.App.1987) (rejecting argument that there can be only one occurrence in continuous injury case and applying actual injury rule).