Both cases in this appeal were based on policy language that excluded UM coverage for pedestrians struck by a hit-and-run vehicle because a pedestrian, by definition, cannot occupy a covered vehicle.
Huntington Ingalls, according to the Supreme Court of Vermont, suffered "direct physical damage" because employees infected with COVID had been physically present at the facilities and unintentionally spread the virus to employees who were not ill.
The case law on this topic is divergent, a trend that will likely continue with different courts applying different interpretations of insurance policies.