Court Opinion

ID: 9660335
Source: CourtListenerOpinion
Date Created: 2023-08-23 22:10:31.784636+00
Date Added: 2024-06-11T18:14:17.886221
License: Public Domain

HUGHES, J.,
concurring with the PER CURIAM action of the court.
IT respectfully disagree with this court’s action. The Commissioner’s Directive 152 is not binding. But Louisiana law forces parents to be responsible for their minor children. They cannot contract away this responsibility. It should be against public policy for an insurer to exclude this risk. It is not a fair bargain for the parents.
The intentional acts exclusion is to prevent adults from acting poorly because they will be covered by the insurance company, not to hang parents out for every shoving match or rock thrown. If parents are required to be responsible for these acts they should have the opportunity to purchase insurance for them.