8/14/2019 doctrines.doc

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8/14/2019 doctrines.doc

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') %un Insurance ffice, t#. vs. Court of Appeals, 211 %C&A ''$

An accident is an event which happens without any human agency or, if happeningthrough human agency, an event which, under the circumstances is unusual to and note"pected by the person to whom it happens. There is no accident when a deliberate act

is performed unless some additional, une"pected, independent and unforeseenhappening occurs which produces or brings about their in$ury or death. There isnothing in the policy that relieves the insurer of the responsibility to pay the indemnityagreed upon if the insured is shown to have contributed to his own accident.