An insured committed suicide inside his vehicle by shooting himself in the head. Damages to the auto include a hole in the roof, as well as blood and fluid all over the car. The policy exclusion reads "Any loss or damage intentionally caused by you or any family member".

Obviously committing suicide is an intentional act, however would the damage caused to the car be intentional? Are the resulting damages caused by the intentional act excluded or does the damage to the vehicle need to be intentionally caused? While the insured would know that shooting himself in the car would damage the auto, I would say his intent was to kill himself not to intentionally damage the auto.

Kansas Subscriber

We agree with you. The insured had no intention of damaging the car and in all probability was thinking only of committing suicide and was not thinking about the car at all.

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