Hunter v. Farmers Insurance

898 P.2d 201, 135 Or. App. 125, 1995 Ore. App. LEXIS 940
CourtCourt of Appeals of Oregon
DecidedJune 21, 1995
Docket9202-01178; CA A78885
StatusPublished
Cited by6 cases

This text of 898 P.2d 201 (Hunter v. Farmers Insurance) is published on Counsel Stack Legal Research, covering Court of Appeals of Oregon primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Hunter v. Farmers Insurance, 898 P.2d 201, 135 Or. App. 125, 1995 Ore. App. LEXIS 940 (Or. Ct. App. 1995).

Opinion

*127 LANDAU, J.

Defendant appeals a judgment entered after trial to the court ordering defendant to pay damages to plaintiff, who was injured by one of defendant’s policyholders. We affirm.

We state the facts in the light most favorable to plaintiff, who prevailed at trial. Sullivan v. Oregon Landmark-One, Ltd., 122 Or App 1, 3, 856 P2d 1043 (1993).

Plaintiff and a friend spent the evening at a local restaurant and bar. As the restaurant was about to close, plaintiff and another patron, Hoyt, became involved in an argument in the parking lot. Hoyt had, by all accounts, been drinking a substantial quantity of alcoholic beverages that evening, having consumed as many as ten bourbon and coke “doubles or triples,” as well as wine and tequila, over the course of six or seven hours. The upshot of the altercation was that Hoyt hit plaintiff in the jaw, knocking him to the ground. Hoyt was arrested and taken into custody, charged with assault and later convicted of the lesser included offense of assault in the third degree.

Plaintiff sued Hoyt for personal injuries sustained in the fight. A jury found Hoyt 65 percent at fault and plaintiff 35 percent at fault, and judgment was entered against Hoyt in the sum of $64,120.59.

Plaintiff then sued defendant, which had issued a homeowner’s policy to Hoyt’s parents. Under that policy, a relative who is a permanent resident of the insureds’ household is also considered to be an “insured.” The policy covers personal liability as follows:

“We shall pay all damages from an occurrence which an insured is legally liable to pay because of bodily injury or property damage covered by this policy.
“[An] occurrence means: a sudden event, including continuous or repeated exposure to the same conditions, resulting in bodily injury or property damage neither expected nor intended by the insured.”

(Boldface in original.) Plaintiff alleged that, under the terms of that policy, defendant was liable to him for the $64,120.59 damage award.

*128 Defendant denied that Hoyt was an insured under his parents’ policy. It also alleged a number of affirmative defenses. Relevant to this case is the defense that plaintiffs claim is subject to certain exclusions in the policy:

“We do not cover bodily injury or property damage:
" * * * * *
“3. Either:
“a. caused intentionally by or at the direction of an insured, or
“b. resulting from any occurrence caused by an intentional act of an insured person where the results are reasonably foreseeable.”

(Emphasis and boldface in original.) According to defendant, any injuries plaintiff suffered were intentionally caused by Hoyt or were caused by an intentional act of Hoyt with the resulting injury to plaintiff being reasonably foreseeable. Defendant also alleged that, because Hoyt had been convicted of assault in the third degree, plaintiff could not deny that Hoyt’s acts were intentional and subject to either of the foregoing exclusions.

At trial, the parties focused considerable attention on whether or not Hoyt was intoxicated and whether or not he intended to hit plaintiff. Hoyt’s own testimony was not entirely consistent on the matter. He alternately testified that he was intoxicated and that he was not, that he intended to strike plaintiff and that he did not.

On direct examination, for example, Hoyt testified:

“Q. Now, would you tell the Court in your own words what happened as you left O’Callahan’s that night up to the time that this incident took place?
“A. I had — I was in the establishment and when the place started to close, since I was close to the door I had gotten up and left and walked outside, and as I just entered the street, which would be the parking lot, I heard some people arguing, and as it seemed to be very loud to me I had walked over and heard them, thought they were saying something that they were being too drunk to drive, and I had said something like you shouldn’t let him drive if he’s too drunk.
“Q. Now, was one of these persons [plaintiff]?
*129 “A. Yes, it was.
“Q. Did you direct that comment to [plaintiff] or his companion?
“A. I believe it was [plaintiff] at the time.
“Q. And what response came back and from whom?
" * * * * *
“A. He said, ‘Who in the fuck are you?’ And I said something like I’m your worst nightmare, and I remember him grabbing my shirt collar.
“Q. ‘Him’ being who?
“A. [Plaintiff].
“Q. Okay.
“A. And with a reflection I brushed his arms free and in an upward motion, you know, something like this, and I punched him.
" * * * * *
“Q. Now, tell the Court what you remember happening at this point and what you do.
“A. I just remember after we passed some words that he had grabbed my shirt collar and he —
“Q. ‘He’ being [plaintiff]?
“A. Right, and that’s when I ran his hands up like this and I felt his hands hit the side of my face.
“Q. Then you react?
“A. I reacted and just leaned into him.
“Q. Did all this happen rather fast?
“A. It was a split second, just a matter of seconds.
“Q. Did you have any warning that it was going to happen?
“A. I couldn’t have foreseen it at all.
" * * * * *
“Q. Did you intend to strike him?
“A. No, sir.
“Q. Did you intend to cause him injury?
“A. No, I did not.”

*130 On cross-examination, he further testified:

“Q. And you knew at that age that a punch to the face could cause bruising?
“A. Yes, sir.
“Q. And it could cause other injuries including maybe a broken jaw or loose teeth or a black eye?
“A. Yes, sir, if a person was to really think about it, yes.
“Q. You knew that at the time, didn’t you?
‘ ‘A.

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Cite This Page — Counsel Stack

Bluebook (online)
898 P.2d 201, 135 Or. App. 125, 1995 Ore. App. LEXIS 940, Counsel Stack Legal Research, https://law.counselstack.com/opinion/hunter-v-farmers-insurance-orctapp-1995.