Terrio v. McDONOUGH HARTFORD FIRE INS. CO.

450 N.E.2d 190, 16 Mass. App. Ct. 163
CourtMassachusetts Appeals Court
DecidedJune 15, 1983
StatusPublished
Cited by140 cases

This text of 450 N.E.2d 190 (Terrio v. McDONOUGH HARTFORD FIRE INS. CO.) is published on Counsel Stack Legal Research, covering Massachusetts Appeals Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Terrio v. McDONOUGH HARTFORD FIRE INS. CO., 450 N.E.2d 190, 16 Mass. App. Ct. 163 (Mass. Ct. App. 1983).

Opinion

Kass, J.

Without giving effect to subclassifications, the defendant McDonough argues seven categories of error in the trial of a civil action against him for sexual assault and battery and assault and battery. A jury returned a verdict of $15,000 for the plaintiff. The defendant impleaded his homeowner’s insurance carrier, 1 and the trial judge directed a verdict for the insurer, Hartford Fire Insurance Company (Hartford), on the plaintiff’s opening. We affirm.

An outline of the facts suffices to introduce the legal questions raised. Rosanna Terrio, the plaintiff, had a brief love affair with McDonough in May, 1977. On March 14, 1979, in the late afternoon, Terrio was driving past where Mc-Donough lived and, on impulse, dropped in to see him. McDonough had just showered and answered the door clad *165 in a bathrobe. After some conversation McDonough expressed his regret that he had nothing to offer for a drink. Terrio went to a nearby liquor store and returned to McDonough’s apartment with a bottle of whiskey. The two shared several drinks and talked some more about old times.

Sexual intercourse followed, and the attendant circumstances are a subject which the parties sharply dispute. Mc-Donough’s testimony describes a consensual rekindling of the extinguished passion; Terrio’s account described a rape. Following the sexual episode, Terrio left McDonough’s apartment, which was on the second floor level of a two-family house. Terrio was scarcely out of the building when she realized she had forgotten her purse and shawl and went back up the stairs to retrieve them. In the course of that errand she talked over the telephone with McDonough’s fiancee, again in circumstances which are disputed. Terrio said an angry and violent McDonough demanded that she speak with his fiancee; McDonough describes the conversation as the act of a drugged (he testified that Terrio had dosed herself with valium), drunken and malicious woman wishing to make trouble for him.

Thereafter, Terrio tumbled down the stairs and crashed through a glass panel in an exterior door at the bottom of the stairs. McDonough testified that Terrio fell; Terrio said she was pushed.

Terrio suffered two lacerations which required sutures, one on her thumb and one in the right temporal area. Examination at the Newton-Wellesley Hospital, to which McDonough took her, disclosed additional glass wounds on her lower legs and bruises on her arms and upper buttock. To the extent that it is necessary to draw on the parties’ elaborate and often conflicting accounts of the events of that afternoon and evening, we shall do so in connection with the issues raised.

1. Obligation of McDonough’s Insurer to Defend.

Terrio’s complaint alleged that McDonough forced her to submit against her will to sexual intercourse and unnatural acts and that he committed an assault and battery upon her. In his answer, McDonough, in addition to denying the *166 allegations of the complaint, said that, if he had any responsibility at all for Terrio’s plunge down the stairs, the blame was attributable to his failure to maintain his back stairs in safe condition, i.e., his negligence. Having thus raised the issue of negligence respecting his living quarters, Mc-Donough filed a third-party complaint against Hartford.

After Terrio’s opening, Hartford moved for a directed verdict on the ground that the complaint and the opening described damages arising out of conduct, viz., that defendant sexually assaulted the plaintiff and intentionally kicked her down the stairs, for which the defendant’s homeowner’s insurance policy did not provide coverage. Specifically, the policy disclaimed personal liability for “bodily injury . . . which is either expected or intended from the standpoint of the insured.” In response to an inquiry by the judge whether Terrio waived her right to amend her complaint to include a claim for injuries resulting from a negligent act of McDonough, in addition to the claim based on his deliberate act, Terrio’s counsel said that she did waive that right. Her position was resolute that the fall was not accidental, but the result of a purposeful push. Responding to a further question, Terrio’s counsel said that so far as she knew the plaintiff was not going to adduce any evidence which would warrant recovery on a negligence theory. 2

An insurance company’s obligation to defend against a liability claim is determined by the allegations in the complaint. Fessenden Sch., Inc. v. American Mut. Liab. Ins. Co., 289 Mass. 124, 130 (1935). Vappi & Co. v. Aetna Cas. & Sur. Co., 348 Mass. 427, 430 (1965). Massachusetts Turnpike Authy. v. Perini Corp., 349 Mass. 448, 457 (1965). Barnstable County Mut. Fire Ins. Co v. Lally, 374 Mass. 602, 604 (1978). Compare Magoun v. Liberty Mut. Ins. Co., 346 Mass. 677, 681 (1964). The defendant suggests *167 this line of cases ought not to survive the advent of modern pleading. The argumegTrfflis~-th.us: if only a “short and plain statement’Hs-required. Mass.R.Civ.P. 8(a), 365 Mass. 749 (1974); if the complaint can be liberally amended, Mass.R.Civ.P. 15(a), 365 Mass. 761(1974); and TRe pleadings do not limit. the_.the.ory of recovery in any event, Mass.R.Civ.P. 15(b), 365 Mass. 761 (1974), then an insurer must anticipate that, during the course of trial, the case may undergo a metamorphosis which will bring it within the coverage of the policy. This is especially so, McDonough contends, when a third-party complaint brings to the insurer’s attention the issue of negligence.

Were McDonough’s argument unconditionally accepted, an insurer would infaHibly be 'bouiid"to d'efencTan insured no matter what the plaintiff’s allegations. Although amendments to pleadings are liberally permitted, Loranger Constr. Corp. v. E.F. Hauserman Co., 376 Mass. 757, 761 (1978), Geraghty v. Mott’s Shop-Rite of Holyoke, Inc., 377 Mass. 911 (1979), Wolfe v. Ford Motor Co., 6 Mass. App. Ct. 346, 354-355 (1978), the right to amend a complaint is not automatic. Castellucci v. United States Fid. & Guar. Co., 372 Mass. 288, 291-292 (1977). Genesco, Inc. v. Koufman, 11 Mass. App. Ct. 986, 990 (1981). Parkman Equip. Corp. v. SAS Equip. Co., 14 Mass. App. Ct. 938, 939-941 (1982). In a case such as the one before us, in which the plaintiff expressly disavowed a negligence.Jh.e.oiy--ai±erJn: quiry by the court and introducéd no evidence of negligence, the prospects for a late amendment of the complaint to a negligence theory were, to put it charitably, distant.

Courts operating under. notice.pleading-have-generally determined that there is no duty to defend unless facts alleged in the complaint, or known or readily knowable by the insurer, place liability withmTHecoverage of thepolicy. McGettrick v. Fidelity & Cas Co.,

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450 N.E.2d 190, 16 Mass. App. Ct. 163, Counsel Stack Legal Research, https://law.counselstack.com/opinion/terrio-v-mcdonough-hartford-fire-ins-co-massappct-1983.