Posted On: December 31, 2007, 10:56 am CST

Posted By: Dustin

Going from the limited information in the article I had an observation. Not knowing the coverage form in place I went to the PA ISO approved HO form. Here is the definition of an Insured:

5. "Insured" means:

a. You and residents of your household who are:

(1) Your relatives; or

(2) Other persons under the age of 21 and in the care of any person named above;

If the guy lived in the parent's house, he is an insured under this definition.

Here is one of the exclusions under the Liability Section:

1. Expected Or Intended Injury

"Bodily injury" or "property damage" which is expected or intended by an "insured" even if the resulting "bodily injury" or "property damage":

If any "insured" note not the NAMED INSURED intends the injury, there is no coverage. Am I reading this incorrectly? I don't see where the court gets there is coverage or a need to defend. I am still debating the single occurrence, as well. Any other thoughts?