Insurer not responsible for damages caused by shopkeeper's "accidental" shooting in parking lot
Corey Parks was "accidentally" shot by Elias Chammas in the parking lot of the Paradise Mini Mart in Flint. Chammas testified that he only intended to frighten Parks, but that he did pull the trigger intentionally. The corporate owners of the Mini Mart sought insurance coverage and a liability defense by Home-Owners Insurance Company, their insurer, for Parks' injuries. Home-Owners argued that since Chammas pulled the trigger intentionally, there was no "occurrence" or "accident" and therefore its insurance policy did not cover the incident. The trial judge agreed and the Court of Appeals affirmed.