The primary purpose of liability insurance is to cover harms caused by negligence. Thus, an intentional act is not covered. This is discussed in a 2020, opinion from the Eleventh Court of Appeals. The opinion is styled, Joe Torres v State Farm County Mutual Insurance Company of Texas.
This is an appeal from a Stowers action against State Farm. In trial, the jury found that State Farm’s insured, Edward Aguilar, intentionally cause injury to claimant, Joe Torres. The trial court entered a take nothing judgment in favor of State Farm and this appeal followed.
This case arises out of Aguilar getting drunk, getting into an altercation with Torres, Aguilar getting in his car and leaving the scene, then turning around and running his insured vehicle into Torres.