Michigan Supreme Court· 7/18/1989

Allstate Insurance v. Freeman

Citations

443 N.W.2d 734
432 Mich. 656

How courts have described this case

Verbatim parenthetical descriptions written by other courts when citing this decision. Ranked by citation-network relevance.

holding “the word ‘a’ or ‘an’ in front of the word ‘insured’ . . . unambiguously means ‘any insured’”
stating that “although some courts have addressed the exclusionary clause before determining whether coverage exists under a policy, . . . the proper construction of a contract requires that we determine whether coverage exists and then whether an exclusion precludes coverage.”
provision excluding coverage for intentional or criminal acts of “an insured person” unambiguously excludes coverage for damages intentionally caused by any insured under the policy
“ ‘[a]’ or ‘an’ is an indefinite article often used in the sense of ‘any’ . . . .”
excellent discussion of “an,” “a,” and “the” as used in intentional act exclusion clauses
“[W]e find that ascertaining the insured’s ‘intent’ may determine whether the insured’s actions constituted an ‘accident,’ but it does not necessarily follow that an insured must act unintentionally for an act to be an ‘occurrence.’”

Source: CourtListener parenthetical corpus (CC0).

Judges: Archer, Cavanagh, Levin, Griffin, Riley, Brickley, Boyle

Read full opinion on CourtListener

Cited by

150 cases in this archive cite this case; the 20 most cited are listed.

Cites

101 cases in this archive are cited by this case; the 20 most cited are listed.

Other cases named Allstate Insurance v. Freeman

1 other CourtListener record shares this case name.

Allstate Insurance v. Freeman
Michigan Court of Appeals· 1987-05-19· cited 24×

Sourced from CourtListener / Free Law Project (CC0).

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