Posts by svertel@secrestwardle.com

An ‘accident’ by its plain reading can include an action which was intentional, but for which the following consequences were not. Such an event is seen through the point of view of the insured who did not fire the gun.

This decision underscores the importance of causation in negligence claims. Landlords and premises owners cannot be held liable based on speculation or multiple equally plausible theories, especially when a third-party criminal is involved. To survive summary disposition, plaintiffs must present a reasonable probability—not just possibility—that the defendant’s conduct caused the injury.