{ "id": 5302008, "name": "Glenna M. Smith, Plaintiff-Appellee, v. Dorothy Moran, Defendant, Badger Mutual Insurance Company, Respondent-Appellant", "name_abbreviation": "Smith v. Moran", "decision_date": "1965-07-13", "docket_number": "Gen. No. 64-96", "first_page": "157", "last_page": "163", "citations": [ { "type": "official", "cite": "61 Ill. App. 2d 157" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "183 NE2d 908", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "11 NY2d 1026", "category": "reporters:state", "reporter": "N.Y.2d", "case_ids": [ 2262651 ], "opinion_index": 0, "case_paths": [ "/ny-2d/11/1026-01" ] }, { "cite": "222 NYS2d 736", "category": "reporters:state", "reporter": "N.Y.S.2d", "opinion_index": 0 }, { "cite": "8 Ill App2d 551", "category": "reporters:state", "reporter": "Ill. App. 2d", "opinion_index": 0 }, { "cite": "415 Ill 16", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 2682181 ], "opinion_index": 0, "case_paths": [ "/ill/415/0016-01" ] }, { "cite": "9 Ill App2d 330", "category": "reporters:state", "reporter": "Ill. App. 2d", "case_ids": [ 5151551 ], "opinion_index": 0, "case_paths": [ "/ill-app-2d/9/0330-01" ] }, { "cite": "142 NE2d 5", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "11 Ill2d 227", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2785749 ], "opinion_index": 0, "case_paths": [ "/ill-2d/11/0227-01" ] }, { "cite": "110 F2d 1001", "category": "reporters:federal", "reporter": "F.2d", "case_ids": [ 1034285 ], "opinion_index": 0, "case_paths": [ "/f2d/110/1001-01" ] }, { "cite": "193 NE2d 466", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "43 Ill App2d 373", "category": "reporters:state", "reporter": "Ill. App. 2d", "case_ids": [ 5246691 ], "opinion_index": 0, "case_paths": [ "/ill-app-2d/43/0373-01" ] } ], "analysis": { "cardinality": 581, "char_count": 10213, "ocr_confidence": 0.519, "pagerank": { "raw": 4.864532206691665e-07, "percentile": 0.9328933849039075 }, "sha256": "2d8c682ecdf2dd9048b76463ad292dfaadd0b08c784fb018ad376fa562b685de", "simhash": "1:b9a3489a6e53bf89", "word_count": 1687 }, "last_updated": "2023-07-14T20:34:57.681685+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [ "ABRAHAMSON, P. J. and DAVIS, J., concur." ], "parties": [ "Glenna M. Smith, Plaintiff-Appellee, v. Dorothy Moran, Defendant, Badger Mutual Insurance Company, Respondent-Appellant." ], "opinions": [ { "text": "MR. JUSTICE MORAN\ndelivered the opinion of the court.\nThis case involves the interpretation' of a homeowner\u2019s insurance policy issued by the- appellant, Badger Mutual Insurance Company, to the defendant, Dorothy Moran. The plaintiff, Glenna M. Smith, had obtained a $15,000 judgment against the assured, Dorothy Moran, and then brought a Citation to Discover Assets action against the insuranc\u00f3 company. The result of the citation proceeding was an order on the insurance company to pay Glenna Smith $15,000, and this is an appeal by the company from that order.\nA brief resume of the original case between Smith and Moran will be helpful to an understanding of the present litigation. The plaintiff filed a two count complaint against the defendant for damages sustained as a result of an assault. The first count stated that the defendant \u201cwith force and arms, assaulted the plaintiff, and shot off a certain gun, ... at and against the plaintiff, . . .\u201d The second count stated that the defendant \u201crecklessly, willfully, wantonly and maliciously discharged a certain gun . . . with a deliberate intent to inflict injury, or with an intentional disregard for the safety of the plaintiff. . . .\u201d\nThe evidence adduced at trial showed that the plaintiff was a waitress in McCormick\u2019s Tavern and Restaurant. The plaintiff and defendant were not acquainted with each other. The defendant came into the restaurant and was overheard by the plaintiff to ask another waitress, Dolores Nelson, if she could speak to her. Mrs. Nelson answered that she was too busy and the defendant replied \u201cyou had better talk to me now.\u201d Plaintiff was standing just to the rear of Mrs. Nelson at the time. Plaintiff then heard a shot, followed by Mrs. Nelson saying \u201cOh My God.\u201d This was followed by another shot, at which time plaintiff felt a terrible pain in her left leg. She looked \u201cand saw- the defendant with a gun shooting at Mrs. Nelson.\u201d ..\nThe jury returned a verdict in favor of the plaintiff in the sum of $15,000, and gave an affirmative answer to the following special interrogatory: \u201cWas the defendant, Dorothy Moran, at the time and place in question guilty of wilful, wanton and malicious conduct and was malice the gist of the action?\u201d The trial court entered judgment on the verdict and an appeal followed. This Court affirmed the judgment. Smith v. Moran 43 Ill App2d 373, 193 NE2d 466.\nThereafter, the plaintiff brought this ancillary action in accordance with 111 Eev Stats c 110, \u00a7 101.24 (1963). At the hearing on the citation, it was found that the company was obligated under sec II, par 1 of its policy of insurance to pay on behalf of the defendant \u201c. . . all sums which the Insured shall become legally obligated to pay as damages because of bodily injury . . . sustained by any person. . . .\u201d There was an exclusion in the policy which provided that \u201cSection II of this policy does not apply: . . . (c) to injury . . . caused intentionally by or at the direction of the Insured.\u201d The trial court ruled in effect that this exclusionary provision did not apply to the facts of this case.\nIt is the contention of the appellant that the act of the defendant was intentional and, therefore, excluded from coverage under its policy. To buttress its position, the appellant refers to the jury\u2019s affirmative answer to the interrogatory, and the following language of this Court in the original appeal (43 Ill App2d at p 377):\n\u201cWe think the evidence here shows that the shooting was a wrongful act, intentionally done and that there is no evidence remotely suggesting that the shooting was accidental, justified or with just cause or provocation.\u201d\nAppellant further relies on what it says is the plain, ordinary and generally understood meaning of the exclusionary paragraph in question.\nThe plaintiff contends that even though the act of Dorothy Moran was intentional, still, the resulting injury to plaintiff was not intentional, and consequently, the exclusionary clause does not apply. Therefore, the sole task for this Court is to interpret the exclusionary clause as applied to the facts in the original suit.\nThe appellant cites Hill v. Standard Mut. Cas. Co. 110 F2d 1001, as authority for its contention. However, the exclusionary clause in that case stated that the insurance company would not be liable for damage caused by intentional acts of the assured. The case before us relates to injury caused intentionally by or at the direction of the insured. The balance of the cases cited by appellant concern factual situations different from that presented here. They are cases wherein the insured sought recovery based upon injuries sustained by the intended victim, as, for example, if Dolores Nelson, the intended target, were seeking recovery in the case before us.\nAlthough this precise question has not been passed upon by a court of review in this State, still, we have a somewhat analogous situation in the case of Taylor v. John Hancock Mut. Life Ins. Co. 11 Ill2d 227, 142 NE2d 5. This was an action brought upon a life insurance policy providing for death benefits where death occurs \u201cas a result of bodily injury sustained solely through external, violent and accidental means, directly and independently of all other causes.\u201d Briefly stated, the facts were that the decedent, Frank Owen, along with Logan Brooks and John Owen, agreed to burn the house owned by John Owen for the purpose of collecting fire insurance. After they poured ten gallons of gasoline about the inside of the home in preparation for their arsonons act, an unexpected explosion occurred which trapped Frank Owen in the home and resulted in his death. The beneficiary under Frank Owen\u2019s life insurance policy brought an action to recover on the policy and the trial court denied recovery. On appeal, the appellate court reversed the trial court (9 Ill App2d 330) which reversal was affirmed by the Supreme Court, Taylor v. John Hancock Mut. Life Ins. Co., supra, which stated at p 230;\n\u201cThe coverage question, pertaining to whether the insured\u2019s death occurred solely through \u2018accidental means . . . independently of all other causes,\u2019 is discussed at length in the Appellate Court opinion, the conclusions of which we adopt. In Hlinois, the courts have adopted a liberal attitude in their interpretation of this common insurance provision. In effect, \u2018accidental means\u2019 has been held to be synonymous with \u2018accidental result,\u2019 and defined as something which happens by chance or fortuitously, without intention or design, and which is unexpected, unusual and unforeseen. (See, e. g., Yates v. Bankers Life and Casualty Co. 415 Ill 16; Rodgers v. Reserve Life Ins. Co. 8 Ill App2d 551.) While it is true the parties intended to burn the house, they obviously did not intend the fire to start when it did. To this extent it was \u2018accidental\u2019 as the term has heretofore been interpreted.\n\u201cBut even though there is coverage under the terms of the policy, the defendant still insists that it would be against public policy to permit a recovery. This is predicated on the fact that the insured was engaged at the time in an unlawful act.\n\u201cIn considering this issue it must be borne in mind that there is no evidence that the policy was procured in contemplation of the crime or that the beneficiary was guilty of any wrongdoing.\u201d\nA more recent case, from a sister state, passing upon an insurance policy with provisions identical to those in the case at bar, is reported in Baldinger v. Consolidated Mutual Insurance Co. 222 NYS2d 736, affd 11 NY2d 1026, 183 NE2d 908. In that case, one Allan Banks, an infant of six years of age, was named a defendant in an action for assault and battery by an infant plaintiff, Barbara Jane Baldinger. The plaintiff alleged that, \u201cAllan Banks \u2018intended to force the infant plaintiff to leave the place where she was standing, and did in fact intend an offensive contact for the purpose of forcing her to leave said place,\u2019 but that Allan Banks \u2018did not intend to cause injury to the infant plaintiff.\u2019 However, the infant plaintiff did sustain among other injuries, a fractured elbow.\u201d The Supreme Court, Appellate Division, affirmed the trial court\u2019s order'allowing recovery and stated at p 738;\n\u201c(a) that the injury for which the plaintiffs recovered judgment against Allan Banks was not caused intentionally but was rather the unintended result of an intentional act; and (b) that in accordance with the provisions of its policy the defendant was required to indemnify its insured against loss occasioned by such injury. If those provisions do not clearly require such indemnity, the most that can be said in defendant\u2019s behalf is that they are ambiguous, since they do not clearly express an intention to exclude liability for unintentional injury resulting from a deliberate act of the insured. If the provisions of the policy are ambiguous, any ambiguity must be resolved against defendant. (Citations omitted).\u201d\nIt will be noted tbat tbe Baldinger case and tbe case before us botb arise out of intentional acts. Further to be noted is tbe fact tbat in tbe Baldinger case, it was tbe insured who sued tbe insurance carrier.\nBotb tbe appellant and tbe plaintiff in tbe case at bar agree tbat tbe act of Dorothy Moran was intentional. It was so held by tbis Court on tbe original appeal. Nevertheless, there is a distinction between an intentional act and an intentionally caused injury.\nWe are of tbe opinion tbat tbe injury to the plaintiff was not intentionally caused by tbe defendant, but was an unintentional result of an intended act directed at Dolores Nelson. Having arrived at tbis conclusion, we, therefore, bold tbat tbe trial court was correct in its judgment and tbat judgment is affirmed.\nJudgment affirmed.\nABRAHAMSON, P. J. and DAVIS, J., concur.", "type": "majority", "author": "MR. JUSTICE MORAN" } ], "attorneys": [ "Diver, Diver, Ridge and Brydges, of Waukegan (Thomas W. Diver and Louis W. Brydges, of counsel), for appellant.", "Lidschin and Pucin, and Kaufman, Strouse, Wasneski and Yastrow, all of Waukegan (Max Lidschin and Shelby Yastrow, of counsel), for appellee." ], "corrections": "", "head_matter": "Glenna M. Smith, Plaintiff-Appellee, v. Dorothy Moran, Defendant, Badger Mutual Insurance Company, Respondent-Appellant.\nGen. No. 64-96.\nSecond District.\nJuly 13, 1965.\nDiver, Diver, Ridge and Brydges, of Waukegan (Thomas W. Diver and Louis W. Brydges, of counsel), for appellant.\nLidschin and Pucin, and Kaufman, Strouse, Wasneski and Yastrow, all of Waukegan (Max Lidschin and Shelby Yastrow, of counsel), for appellee." }, "file_name": "0157-01", "first_page_order": 169, "last_page_order": 175 }