Homeowners Policy (HO)Question 357 of 474
During an argument the insured deliberately punches a neighbor and breaks his jaw, and the neighbor sues. Section II will:
a.deny it only if a conviction follows
b.deny it as expected or intended harm
c.pay under Coverage F medical payments
d.pay the damages but not the defense
Explanation
Section II excludes bodily injury and property damage expected or intended by an insured, so a deliberate punch brings neither damages nor a defense; insuring intentional harm would defeat the fortuity insurance requires. A criminal conviction is not needed for the exclusion to apply, and Coverage F does not step in where the injury was intended.
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