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Mark was 22 and in love, but he had concerns about his fiancée. He drove to her work and she wasn’t there. Then he drove to her house and her parent’s house and still no luck. He decided to wait around her apartment complex. He saw Steve drive up to the apartment complex and then leave. As he watched Steve’s car, he saw his fiancée sit up in the front seat and give Steve a kiss.
Mark became furious and rammed Steve’s car. Steve sped off and Mark continued to follow at a high rate of speed. He made several maneuvers to overtake the vehicle and Steve did everything he could to get away. Finally, in a desperate move, Steve made a 180 degree turn and traveled backwards down the highway. Steve’s car went off the highway, struck a utility pole that landed on another car, and both cars burned. Mark’s fiancée and Steve were killed. Anna, Nancy and David who were in the car struck by the utility pole survived and they sued Mark for their injuries.
Mark’s father’s insurance carrier denied coverage under the personal auto policy because Mark’s actions were intentional. The court ruled that while Mark’s actions toward Steve and the fiancée were intentional, the injuries to Anna, Nancy and David were not. The court granted coverage.
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