Mutual Service Casualty Insurance v. McGehee

711 P.2d 826, 219 Mont. 304, 1985 Mont. LEXIS 986
CourtMontana Supreme Court
DecidedDecember 31, 1985
Docket85-187
StatusPublished
Cited by32 cases

This text of 711 P.2d 826 (Mutual Service Casualty Insurance v. McGehee) is published on Counsel Stack Legal Research, covering Montana Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Mutual Service Casualty Insurance v. McGehee, 711 P.2d 826, 219 Mont. 304, 1985 Mont. LEXIS 986 (Mo. 1985).

Opinions

MR. JUSTICE GULBRANDSON

delivered the Opinion of the Court.

Walter Rauker appeals a Custer County District Court order which granted summary judgment to respondent Mutual Service Casualty Insurance Company (Mutual Service) and ruled that Mutual Service’s insurance policy with Tim McGehee did not provide coverage for McGehee’s intentional assault of appellant Rauker. The issue on appeal is whether summary judgment was proper where the insurance policy did not cover injuries intended or expected from Mc-Gehee’s standpoint and where McGehee intended to strike the victim but may not have subjectively intended the specific injuries. We affirm.

McGehee and appellant were both employed by an electrical contractor in Colstrip, Montana. McGehee was a superintendent and had some supervision of appellant. On November 11, 1982, both men were in a restaurant/bar near Colstrip. McGehee states that he took exception to a remark that appellant made that night. Mc-Gehee testified by deposition and admitted that he deliberately punched appellant twice in the face, that he wanted to hit appellant more, and that he waited outside the establishment for appellant but appellant did not show up. McGehee further stated that he did not intend to hurt appellant but only to “shut appellant up.” Appellant was seated in a chair at the time of this attack and McGehee stated that appellant acted like he was going to start to get up and “I just didn’t let him.” McGehee’s punches knocked appellant to the floor and broke appellant’s left cheek bone in three places.

Appellant filed a criminal complaint and a civil action against Mc-Gehee. McGehee had an insurance policy with Mutual Service which stated, in relevant part:

“This Company agrees to pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as damages because of bodily injury . . . caused by an occurrence. This Com[306]*306pany shall. . . defend any suit against the Insured seeking damages on account of such bodily injury . . .
“EXCLUSIONS
“This policy does not apply:
“. . . To bodily injury . . . which is either expected or intended from the standpoint of the insured . . .”

Mutual Service brought a declaratory judgment action in the Custer County District Court seeking rulings that it had no obligation to defend McGehee in appellant’s civil action and that it had no obligation to pay any judgment entered against McGehee in appellant’s action. Mutual Service moved for summary judgment on these two issues and the court granted summary judgment ruling that the exclusionary clause of the insurance policy eliminated coverage for McGehee’s actions. Rauker appeals.

The standard of review is clear. Summary judgment is only proper under Rule 56(c), M.R.Civ.P., where the record discloses that no genuine issue of material fact exists and the moving party is entitled to judgment as a matter of law. See, e.g., State Dept. of Highways v. Midland Materials (Mont. 1983), [204 Mont. 65,] 662 P.2d 1322, 40 St.Rep. 666, quoting Darrah v. Milbank Mutual Insurance Co. (Mont. 1983), [202 Mont. 323,] 658 P.2d 374, 40 St.Rep. 117.

The overwhelming majority of courts which have construed identical or similar insurance provisions have emphatically held that insurance coverage does not extend to situations such as this. A few of these cases are; Shelter Ins. Companies v. Smith (1985), 133 Ill.App.3d 635, 88 Ill.Dec. 752, 479 N.E.2d 365; CNA Ins. Co. v. McGinnis (1984), 282 Ar, 90, 666 S.W.2d 689; State Farm Fire and Cas. Co. v. Williams (Minn. 1984), 355 N.W.2d 421; Transamerica Ins. Group v. Meere (1984), 143 Ariz. 351, 694 P.2d 181; Quincy Mut. Fire Ins. Co. v. Abernathy (1983), 17 Mass.App. 907, 455 N.E.2d 644; Guilbeau v. Roger (La. App. 1983), 443 So.2d 733; Smith v. Senst (Minn. 1981), 313 N.W.2d 202; Jones v. Norval (1979), 203 Neb. 549, 279 N.W.2d 388; Pachucki v. Republic Ins. Co. (1979), 89 Wis. 2d 703, 278 N.W.2d 898; Hartford Fire Ins. Co. v. Spreen (Fla.App. 1977), 343 So.2d 649; Hins v. Heer (N.D. 1977), 259 N.W.2d 38; Butler v. Behaeghe (1976), 37 Colo.App. 282, 548 P.2d 934; Home Insurance Company v. Neilsen (1975), 185 Ind.App. 445, 332 N.E.2d 240; Oakes v. State Farm Fire & Casualty Company (1975),137 N.J.Super. 365, 349 A.2d 102; Terito v. McAndrew (La.App.1971), 246 So.2d 235. We agree with these courts. Under the undisputed facts of this case, Mutual Service was entitled [307]*307to judgment as a matter of law. The undisputed facts show the following. McGehee admits that he intentionally struck appellant in the face. The blows broke appellant’s cheek bone. McGehee’s insurance policy with respondent does not provide coverage for bodily injuries intended or expected from McGehee’s standpoint. We hold that the District Court properly granted summary judgment in Mutual Service’s favor.

Appellant contends that there exists a factual question which precludes summary judgment; i.e. whether McGehee expected or intended that the victim receive the specific resulting injuries. We disagree. The Shelter Ins. Companies, Hins, Jones, Senst, and Spreen cases (cited above) all involved one person punching another, resulting broken bones, and the aggressor claiming that he neither expected nor intended the specific injuries. All five cases involved insurance clauses similar to the one here and in each case the court held there was no insurance coverage. In Jones, the Nebraska Supreme Court quoted from Clark v. Allstate Insurance Company, (1975), 22 Ariz.App. 601, 529 P.2d 1195;

“[T]he act of striking another in the face is one which we recognize as an act so certain to cause a particular kind of harm that we can say a person who performed the act intended the resulting harm, and his statement to the contrary does nothing to refute that rule of law.” Jones, 279 N.W.2d at 391, see also CNA Ins. Co. v. McGinnis (Ark. 1984), 666 S.W.2d at 691 (the Arkansas Supreme Court approvingly cites the same rule).

We agree.

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Cite This Page — Counsel Stack

Bluebook (online)
711 P.2d 826, 219 Mont. 304, 1985 Mont. LEXIS 986, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mutual-service-casualty-insurance-v-mcgehee-mont-1985.