Government Employees Insurance v. Moore

# Government Employees Insurance v. Moore Summary **What Happened** The Browns filed a claim with their insurance company, GEICO, after being shot by someone. They wanted GEICO to pay for their legal defense and any damages owed. GEICO refused to cover the claim, arguing that their insurance policy didn't apply because the shooting was an intentional act, not an accident. **What the Court Decided** The court sided with GEICO. The judge ruled that the insurance company was correct—their policy clearly excluded intentional acts from coverage. Because the shooting was deliberate rather than accidental, GEICO had no obligation to defend or pay for the Browns' claim. The insurance company won the case completely. **Why This Matters for Workers** This ruling clarifies how insurance policies work in Colorado. Insurance companies can legally refuse to cover intentional harm using exclusion clauses in policies. Workers and individuals should carefully read their insurance agreements to understand what is and isn't covered, particularly regarding intentional versus accidental events. If an action is intentional, insurers may refuse to pay regardless of the harm caused.