IRMI Update Quiz
Question Scenario: An insured received a holiday gift from the Eleventh Circuit Court of Appeals: By ruling that a school shooting in Florida constituted a single "occurrence," the insured had to satisfy a single self-insured retention instead of treating it as multiple occurrences. In reaching this conclusion, the court relied on which of the following legal arguments?
A. The policy's definition of "occurrence" being ambiguous
B. The manifestation of law doctrine
C. Joint and several liability
D. The reasonable expectations doctrine
Correct Answer: A! In Florida, courts have historically held that the term "occurrence" may be viewed as ambiguous. As a result, courts there may adopt the insured's interpretation so long as it is reasonable. To learn more, read the case summary in Insurance Law Essentials.
