Most personal injury lawsuits involve accidents, i.e. unintentional but negligent conduct, but sometimes a personal injury arises from criminal activity. When this is the case, the criminal party can be held liable in a personal injury lawsuit–but their insurance company probably will not cover any award of damages. That is because insurers typically include criminal activity from the scope of their policy coverage.
Marcus v. Country Mutual DO-013 Insurance Company
A recent decision from the Georgia Court of Appeals, Marcus v. Country Mutual DO-013 Insurance Company, provides a helpful illustration of this principle. This case unfortunately began with a scenario that has become all too common in Georgia — a white person reporting “suspicious” African-Americans to the police. According to court records, the woman repeatedly complained to law enforcement in Macon about several African-American youths. When questioned, the juveniles explained that the woman had repeatedly shouted racial epithets at them. The police advised the youths to “stay on the other side of the street when passing by her house, knowing that [she] was upset and hostile.”