California, United States of America
The following excerpt is from American Cyanamid Co. v. American Home Assurance Co., 30 Cal.App.4th 969, 35 Cal.Rptr.2d 920 (Cal. App. 1994):
The general rule, articulated early on in Remmer v. Glens Falls Indem. Co. (1956) 140 Cal.App.2d 84, 295 P.2d 19, for construing policies covering an accident or occurrence which results in injury during the policy period is that coverage is triggered when the complaining party was actually damaged,
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