Opinion ID: 1138053
Heading Depth: 1
Heading Rank: 1

Heading: Whether the policy of insurance issued to Shirah was voidable because of misrepresentations in the application.

Text: II. Whether the injuries inflicted upon Officer Fellows by Shirah were the result of an intentional act on the part of Shirah and thus not within the coverage of Shirah's insurance policy. Following the conclusion of the trial, the trial court issued the following order with findings and conclusions: This case came before the Court for trial on Plaintiff's Complaint for Declaratory Judgment. Testimony and evidence having been presented, upon consideration of such, the Court makes the following findings and conclusions: (1) That the Court is not reasonably satisfied that Daniel L. Shirah made a misrepresentation in the application for insurance filed with Allstate Insurance Company in that the Court is not reasonably satisfied that the Defendant was in fact asked if he had any accidents or tickets against his driving record. Daniel L. Shirah was under no duty to disclose such if he was never asked, and furthermore, there was no confidential relationship between the parties, (2) That the Court is not reasonably satisfied that any bodily injury or property damage in question was caused intentionally by Daniel L. Shirah. Wherefore, it is hereby, ORDERED, ADJUDGED AND DECREED AND DECLARED that the rights of the parties are as follows: A. That Allstate Insurance Company is legally required to defend Daniel L. Shirah under its policy number XXXXXXXXX, and particularly in the proceedings in that cause of action filed by Fred William Fellows and Lynda Fellows against Daniel Lawrence Shirah in the Circuit Court of Houston County, Alabama, Civil Action No. 82-370-S. B. That Allstate Insurance Company shall pay all sums that Daniel L. Shirah should become legally obligated to pay arising out of the use and operation of a 1978 Ford automobile, Vehicle Identification No. 8G87F320729, to the extent set forth in Allstate Insurance Company's policy number XXXXXXXXX. On appeal Allstate raises the same issues it raised at trial.