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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