Victim’s murder was an “accident” for UM and no-fault coverage

Victim’s administrator sought UM and no-fault benefits for the victim for an occurrence in which the uninsured driver struck the victim with the admitted intent of killing him. The driver was convicted of second-degree murder. Held: the term “accident” in the UM and no-fault coverage included the subject occurrence because the occurrence must be viewed from the insured’s prospective.  Although the policy excluded some types of events from the definition of “accident”, nothing expressly excluded intentional conduct. State Farm Mut. Auto. Ins. Co. v. Langan (COA 3/29/11)
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