Can a personal injury policy extend coverage to "all damages resulting from bodily injury caused by any one accident"?

California, United States of America


The following excerpt is from Abellon v. Hartford Ins. Co., 167 Cal.App.3d 21, 212 Cal.Rptr. 852 (Cal. App. 1985):

This provision affirmatively extends coverage to "all damages resulting from bodily injury caused by any one accident." Since the provision does not specifically state that damages must result from bodily injury to one physically present at the time of the accident, one can reasonably conclude coverage extends to all persons damages as a result of bodily injuries sustained in the accident. Thus, under settled rules of construction applicable to insurance policies, this court must, where semantically possible, construe the policy so as to achieve its manifest objective of indemnifying the insured against the type of losses to which the policy relates. (Stewart v. Estate of Bohnert, 101 Cal.App.3d 978, 162 Cal.Rptr. 126.)

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