Liability insurance is, by definition, a product that providesfinancial protection when things don't turn out as planned. Most ofthe time when this occurs, it's simply a case of bad luck orbecause things simply happen. But there are other instances inwhich liability claims are the result of actions that were soill-conceived or foolhardy that a claim was utterlypredictable.

Eventually such incredulous behavior leads to a lawsuit, whichleads to an insurance claim —which leads to a coverage dispute, which leadsto a reported decision, which leads to the final stage of thisinsurance circle of life: an appearance in my "Coverage forDummies" Hall of Fame.

It's easy to make fun of these cases. But the list — groupedhere by insurance category — actually says a lot about the role ofinsurance in society. In many of the cases, the court is requiredto address whether people can pass off responsibility for knowinglyfoolish conduct under policies designed to prevent "accidents."

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