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Allstate Ins Co v. Hampton

Michigan Court of Appeals
Aug 8, 1988
433 N.W.2d 334 (Mich. Ct. App. 1988)

Summary

relying on Allstate Ins. Co. v. Sherrill, 566 F. Supp. 1286, 1288 (E.D.Mich. 1983) ("public policy demands that a voluntary departure of one's good judgment and rational decision-making abilities [due to ingestion of hallucinogenic drugs and alcohol] should not permit the insured to abrogate his financial responsibility to those he brutally injures")

Summary of this case from Wiley v. State Farm Fire Cas. Co.

Opinion

Docket No. 103661.

Decided August 8, 1988.

Iamarino Waun, P.C. (by Thomas W. Waun), for Allstate Insurance Company.

Michael J. Mangapora, for Wanda McCallister.

Before: BEASLEY, P.J., and SAWYER and T.J. FOLEY, JJ.

Circuit judge, sitting on the Court of Appeals by assignment.


Defendant Wanda McCallister, individually and as next friend of the minor victim, appeals as of right from a September 10, 1987, order granting summary disposition to plaintiff, Allstate Insurance Company. Plaintiff had filed a complaint for a declaratory judgment to establish that it did not have any duty to provide coverage under a homeowner's policy to defendant James Hampton for injuries allegedly sustained by his adopted twelve-year-old daughter, the natural daughter of defendant's wife, when, according to her complaint in the underlying cause of action, defendant engaged in sexual relations with her.

The Allstate homeowner's policy contains the following exclusion:

1. We do not cover any bodily injury or property damage which may reasonably be expected to result from the intentional or criminal acts of an insured person or which is in fact intended by an insured person.

Defendant's daughter's complaint alleged:

8. That defendant, James O. Hampton, during the period of February 1982 had sexual relations, including but not limited to, vaginal intercourse, with the aforesaid minor child.

The alleged conduct certainly falls within the intentional, if not the criminal-act, exclusion of the insurance policy.

See MCL 750.520a et seq.; MSA 28.788(1) et seq.

Defendant McCallister argues that without James Hampton's testimony it cannot be inferred that he intended to injure his daughter. In Linebaugh v Berdish, the Court held that the intent to injure can be inferred as a matter of law from the alleged sexual penetration of a child. Here, the insurance policy excludes from coverage not only intentional injuries but also injuries reasonably expected to result from intentional conduct. The victim's complaint alleges the types of injuries that reasonably can be expected when a father allegedly engages in nonconsensual sexual conduct with his minor child, regardless of whether sexual penetration occurred.

Finally, McCallister's argument that the possible voluntary intoxication of defendant James Hampton would vitiate intent also lacks merit. Where an insured voluntarily ingests alcohol, he may not, as a defense to an exclusionary clause in an insurance policy such as the one at bar, assert that he lacked the capacity to form the intent to act or harm.

See Allstate Ins Co v Sherrill, 566 F. Supp. 1286 (ED Mich, 1983).

Affirmed.


Summaries of

Allstate Ins Co v. Hampton

Michigan Court of Appeals
Aug 8, 1988
433 N.W.2d 334 (Mich. Ct. App. 1988)

relying on Allstate Ins. Co. v. Sherrill, 566 F. Supp. 1286, 1288 (E.D.Mich. 1983) ("public policy demands that a voluntary departure of one's good judgment and rational decision-making abilities [due to ingestion of hallucinogenic drugs and alcohol] should not permit the insured to abrogate his financial responsibility to those he brutally injures")

Summary of this case from Wiley v. State Farm Fire Cas. Co.

In Allstate Ins Co v Hampton, 173 Mich. App. 65; 433 N.W.2d 334 (1988), the plaintiff sought declaratory judgment to establish that it did not have a duty to provide coverage for the defendant under a homeowner's policy.

Summary of this case from Group Ins Co v. Czopek
Case details for

Allstate Ins Co v. Hampton

Case Details

Full title:ALLSTATE INSURANCE COMPANY v HAMPTON

Court:Michigan Court of Appeals

Date published: Aug 8, 1988

Citations

433 N.W.2d 334 (Mich. Ct. App. 1988)
433 N.W.2d 334

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