{"id":102559,"date":"2025-02-22T02:26:41","date_gmt":"2025-02-22T02:26:41","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/no-coverage-for-criminal-acts\/"},"modified":"2025-02-22T02:26:41","modified_gmt":"2025-02-22T02:26:41","slug":"no-coverage-for-criminal-acts","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=102559","title":{"rendered":"No Coverage for Criminal Acts"},"content":{"rendered":"


\n<\/p>\n

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Post 5002<\/span><\/strong><\/p>\n

See the full video at https:\/\/rumble.com\/v6n4ivr-no-coverage-for-criminal-acts.html\u00a0<\/a> and at https:\/\/youtu.be\/8br5RZ9yJ0A<\/a><\/p>\n

Hiding Murder Weapon From Police Eliminates the Right to a Defense<\/span><\/strong><\/h3>\n

\"\"In Howard I. Rosenberg; Kimberly L. Rosenberg v. Chubb Indemnity Insurance Company Howard I. Rosenberg; Kimberly L. Rosenberg; Kimberly L. Rosenberg; Howard I. Rosenberg v. Hudson Insurance Company,<\/em> No. 22-3275, United States Court of Appeals, Third Circuit (February 11, 2025) the Third Circuit resolved whether the insurers owed a defense for murder and acts performed to hide the fact of a murder and the murder weapon.<\/p>\n

FACTUAL BACKGROUND<\/span><\/strong><\/h2>\n

Adam Rosenberg and Christian Moore-Rouse befriended one another while they were students at the Community College of Allegheny County. On December 21, 2019, however, while at his parents\u2019 house, Adam shot twenty-two-year-old Christian in the back of the head with a nine-millimeter Ruger SR9C handgun. Adam then dragged Christian\u2019s body across the road in front of his parents\u2019 home and left it in a wooded park.<\/p>\n

After their adult son shot and killed his twenty-two-year-old former classmate at their house, the parents allegedly delayed discovery of the murder weapon and the victim\u2019s body. Based on that delay, the victim\u2019s mother sued the homeowners in state court for the intentional infliction of emotional distress. The homeowners then sought legal representation under two of their insurance policies \u2013 their homeowner\u2019s policy and their umbrella policy.<\/p>\n

It took over two months for the police to find Christian\u2019s body. The gun turned up a month after Christian\u2019s killing \u2013 produced by Martha Laux. She told police that she had found a handgun along a trail while walking her dog in North Park, a large public park in Allegheny County. Over a month after receiving the handgun, homicide detectives found Christian\u2019s body. They later learned not only that the weapon used to kill Christian was already in police custody but also that Laux was the marriage counselor for Adam\u2019s parents, Kimberly and Howard Rosenberg.<\/p>\n

Based on the delayed discovery of her son\u2019s body, Christian\u2019s mother, T. Lee Rouse, sued the Rosenberg parents in the Court of Common Pleas of Allegheny County, Pennsylvania.<\/p>\n

District Court Decision<\/span><\/strong><\/h2>\n

The District Court rejected the claims by the homeowners and upheld the insurers\u2019 denial-of-coverage decisions. The District Court\u2019s decision in this appeal brought by the homeowners\u2019s insurer denied coverage on several grounds, including that the claim against the homeowners did not relate to an accident. The umbrella insurer likewise denied coverage on that basis as well as several other grounds, including that an insurer\u2019s promise to defend an insured for criminal acts is contrary to public policy and thus unenforceable under Pennsylvania law.<\/p>\n

Was There an Accident?<\/span><\/strong><\/h3>\n

The District Court examined whether the injuries alleged in the complaint resulted from an accident. Under the Rosenbergs\u2019 homeowner\u2019s policy, Chubb\u2019s duty to defend depended on whether the injuries resulted from an accident. The allegations against the Rosenbergs involved intentional actions, specifically the concealment of the handgun that would have implicated their son and led to the earlier discovery of the victim\u2019s body. The District Court concluded that the injuries did not result from an accident, and Chubb had no duty to defend under the homeowner\u2019s policy.<\/p>\n

Public Policy Against Insuring Criminal Acts<\/span><\/strong><\/h3>\n

The court also addressed the issue of public policy. The Hudson policy included an unexpected-or-unintended injury clause, which introduced subjective considerations into the meaning of \u2018occurrence\u2019. However, the District Court held that any duty to defend would not be enforceable because Pennsylvania law forbids insuring criminal acts as contrary to public policy.<\/p>\n

Discussion<\/span><\/strong><\/h2>\n

Under the Rosenbergs\u2019 homeowner\u2019s policy, Chubb\u2019s duty to defend depended on whether Rouse\u2019s alleged injuries resulted from \u2018an accident.\u2019 Although the policy itself does not define \u2018accident,\u2019 Pennsylvania courts have defined that term as meaning the culmination of forces working without design, coordination or plan. The allegations against the Rosenbergs do not involve such chance. Rather, Rouse alleged that the Rosenbergs acted intentionally by concealing the handgun that would have implicated Adam and led to the earlier discovery of Christian\u2019s body.<\/p>\n

For liability insurance to respond to a request for defense or indemnity of a tort lawsuit the suit must allege that the actions of the defendants were neither intended nor expected by the insured, i.e., an accident. The acts of the parents, hiding the gun used in the killing and making the discovery of the body more difficult they acted intentionally to cause harm to the family of the deceased and to protect their son from responsibility for his criminal act. In addition the Third Circuit concluded that it is against the public policy of the state to allow insurance protection for criminal acts.<\/p>\n

\"\"(c) 2025 Barry Zalma & ClaimSchool, Inc.<\/p>\n

Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.<\/p>\n

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Go to X @bzalma; Go to Newsbreak.com https:\/\/www.newsbreak.com\/@c\/1653419?s=01;<\/a> Go to Barry Zalma videos at Rumble.com at https:\/\/rumble.com\/account\/content?type=all;<\/a> Go to Barry Zalma on YouTube- https:\/\/www.youtube.com\/channel\/UCysiZklEtxZsSF9DfC0Expg<\/a><\/p>\n

Go to the Insurance Claims Library \u2013 https:\/\/lnkd.in\/gwEYk<\/a><\/p>\n

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\n\t\t\t\t\t\t\tAbout Barry Zalma\t\t\t\t\t\t\t<\/h2>\n

\t\t\t\t\t\t\tAn insurance coverage and claims handling author, consultant and expert witness with more than 48 years of practical and court room experience.\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n

\n\t\t\t\t\t\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"

Post 5002 See the full video at https:\/\/rumble.com\/v6n4ivr-no-coverage-for-criminal-acts.html\u00a0 and at https:\/\/youtu.be\/8br5RZ9yJ0A Hiding Murder Weapon From Police Eliminates the Right to a Defense In Howard I. Rosenberg; Kimberly L. Rosenberg v. Chubb Indemnity Insurance Company Howard I. Rosenberg; Kimberly L. Rosenberg; Kimberly L. Rosenberg; Howard I. Rosenberg v. Hudson Insurance Company, No. 22-3275, United States Court […]<\/p>\n","protected":false},"author":1,"featured_media":102561,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[30100,13841,14207],"dealstore":[],"offerexpiration":[],"class_list":["post-102559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-acts","tag-coverage","tag-criminal"],"yoast_head":"\nNo Coverage for Criminal Acts - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=102559\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"No Coverage for Criminal Acts - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Post 5002 See the full video at https:\/\/rumble.com\/v6n4ivr-no-coverage-for-criminal-acts.html\u00a0 and at https:\/\/youtu.be\/8br5RZ9yJ0A Hiding Murder Weapon From Police Eliminates the Right to a Defense In Howard I. Rosenberg; Kimberly L. Rosenberg v. Chubb Indemnity Insurance Company Howard I. Rosenberg; Kimberly L. Rosenberg; Kimberly L. Rosenberg; Howard I. Rosenberg v. 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