United Services Automobile Association, Appellant and Cross-Appellee v. Mary E. Neary and Patrick T. Neary…

Summary

The court held that the homeowners policy imposed one $300,000 liability limit for all damages arising from one occurrence, regardless of the number of insureds, claims, or injured persons. It also held that the single gunshot was one occurrence because it was the single unforeseen event that caused all of the injuries, rejecting both a negligence-act theory and an effects-based theory. The court reversed the superior court's summary judgment order and remanded for further proceedings.