Recently,
a Pennsylvania appeals court was asked to take a look at a somewhat surprising
case. A young boy had playfully struck another young boy, a guest to his home,
in the groin, causing injuries and also causing the injured young man’s parents
to sue. The parents of the “hitter” initially weren’t all that worried,
believing that their homeowner’s insurance policy would protect them from costs
incurred as a result of their son’s actions.
According
to the appeals court, however, the insurer is not responsible and is not
required to defend or indemnify the teenage boy or his parents. The main reason
for the finding is that the boy committed his prank of his own accord. Thus,
the victim’s injuries were not the result of a household accident but of an
intentional act that just happened to be committed in the home.
No comments:
Post a Comment