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Simple English definitions for legal terms
expected/intended exclusion
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A quick definition of expected/intended exclusion:
Expected/intended exclusion is a term used in insurance policies that means certain events or conditions are not covered by the policy. This can include things like damage or injury that the insured person expected or intended to happen, or harm caused by the use of a vehicle owned or operated by the insured. Other types of exclusions can include pollution, employee liability, and design defects. These exclusions are meant to limit the insurance company's liability and protect them from having to pay out for certain types of claims.A more thorough explanation:
Definition: A provision in some insurance policies that excludes coverage for property damage or bodily injury that is expected or intended by the insured, except any harm arising from the use of reasonable force to protect a person or property.
Example: John intentionally sets fire to his own house to collect insurance money. His insurance policy has an expected/intended exclusion, which means that his insurance company will not cover the damages caused by the fire because John intended to cause them.
Explanation: The example illustrates how an expected/intended exclusion works in an insurance policy. John's actions were intentional, and he expected to receive insurance money from the fire. Therefore, his insurance company will not cover the damages caused by the fire because they were expected and intended by John.