Opinion ID: 543179
Heading Depth: 3
Heading Rank: 2

Heading: Safeco's Duty to Defend Miller

Text: 17 The record does not reveal whether Miller's legal expenses have, in fact, been paid by Safeco, rendering this claim moot. We need not ascertain the relevant facts in order to resolve this question, however. As a matter of law, Safeco had no duty to defend Miller. 18 An insurer's duty to defend, of course, is broader than its duty to indemnify. Gray v. Zurich Ins. Co., 65 Cal.2d 263, 275, 54 Cal.Rptr. 104, 113, 419 P.2d 168, 177 (1966); Allstate Ins. Co. v. Overton, 160 Cal.App.3d 843, 851-52, 206 Cal.Rptr. 823, 829 (1984); Abbott, 204 Cal.App.3d at 1029, 251 Cal.Rptr. at 631.  'But where there is no possibility of coverage, there is no duty to defend'.... Abbott, 204 Cal.App.3d at 1029, 251 Cal.Rptr. at 631 (emphasis added; citation omitted). Where there is criminal sexual misconduct with a minor, or where the conduct was not accidental and the policy does not cover damages caused by non-accidental conduct, there is no possibility of coverage. Therefore, Safeco had no duty to defend Miller. 19