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RAM MUT. INS. CO. v. MEYER

No. A08-0864.

768 N.W.2d 399 (2009)

RAM MUTUAL INSURANCE COMPANY, Appellant, v. Daniel MEYER and Linda Meyer, individually and as parents of Shawn Meyer, a minor, Respondents, Judith Nietfeld and Brian Nietfeld, individually and as parents of Curtis Nietfeld, a minor, Respondents, Paynesville Independent School District No. 741, Respondent.

Court of Appeals of Minnesota.

July 21, 2009.

Attorney(s) appearing for the Case

William L. Davidson, Lind, Jensen, Sullivan & Peterson, P.A., Minneapolis, MN, for appellant.

John T. Lund, Lund Kain & Scott, P.A., St. Cloud, MN, for respondents Meyers.

John E. Mack, Mack & Daby, P.A., New London, MN, for respondents Nietfelds.

Kenneth H. Bayliss, Laura A. Moehrle, Quinlivan & Hughes, P.A., St. Cloud, MN, for respondent school district.

Charles A. Bird, Bird, Jacobsen & Stevens, P.C., Rochester, MN, for Amicus Curiae Minn. Assoc. for Justice.

Considered and decided by MINGE, Presiding Judge; TOUSSAINT, Chief Judge; and COLLINS, Judge.

OPINION

MINGE, Judge.

Appellant insurer challenges the district court's determination that its policy provides coverage for the serious injuries caused by an insured, arguing that (1) the policy does not cover the claim because the event that caused the injury was not an "occurrence"; (2) the policy contains an intentional-act exclusion that bars coverage for the claim; and (3) the district court erred in the wording of a special-verdict question that asked...

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