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KKO 2011/2019 AI generated

Voluntary accident insurance for business owners does not cover injuries caused by intentional acts of another person.

Case Number KKO 2011/2019
Court / Authority
Jurisdiction Finland (FI)
Decision Date
Outcome Dismissed
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Supreme Court dismissed the claim for voluntary accident insurance benefits under the Accident Insurance Act. The insured suffered injuries when pushed by another person, an act the lower court deemed intentional. The Court ruled that such intentional harm falls outside the scope of coverage for voluntary business owner accident insurance.

Legislator headnote

AI generated

Accident Insurance Act 57 §; voluntary accident insurance for business owners does not cover injuries resulting from the intentional act of another person.

Keywords

AI generated
voluntary accident insurance business owners intentional act exclusion of coverage Supreme Court ruling

Cited Legislation

AI generated
Accident Insurance Act 57 § (1314/2002)
AI generated
kko-precedent_2001_135
Supreme Court allows insurance claim adjustment for assault victim's severe injury despite exclusion clause.
kko-precedent_1990_26
Supreme Court allows claim against insurer and agent for misrepresentation inducing policy without specific exclusion clause.
insurance_1975_9480-1974
Insurance court dismissed claim for work injury compensation when back pain occurred during leisure time laundry transport.
insurance_1976_9265-1975
Insurance court dismissed claim when injury resulted from intentional criminal act rather than accidental workplace accident.
kko-other_1999_1797
Supreme Court allows reduction of insurance compensation when calculating damages for permanent disability in personal injury cases.

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Full text

A, jolla on ollut tapaturmavakuutuslain 57 §:n 2 momentin (1314/2002) mukainen yrittäjien vapaaehtoinen vapaa-ajan tapaturmavakuutus, oli vammautunut vapaa-ajallaan, kun B oli tönäissyt A:ta sillä seurauksella, että A oli horjahtanut ja kaatunut rantakivikkoon. Käräjäoikeus oli lainvoimaisella tuomiollaan lukenut B:n syyksi vammantuottamuksen. Korkein oikeus katsoi ratkaisusta ilmenevillä perusteilla, että vammat olivat aiheutuneet sellaisesta toisen henkilön tahallisesta teosta, jonka varalta tapaturmavakuutuslain 57 §:n 2 momentin mukaan ei voinut saada vapaaehtoista vakuutusta.

TapaturmavakuutusL 57 § (1314/2002)