INDIANAPOLIS (CN) – State Farm says a policyholder, a mother, suggested her daughter taunt a girl the daughter doesn’t like by writing insults, including “bitch,” “whore,” “slut” and “you have no friends,” on disposable diapers and strewing them about the girl’s yard. The girl attempted suicide and was hospitalized after the mom bought the diapers, helped write the insults, drove her daughter to the victim’s house and helped her strew them in the yard, State Farm says. It claims it has no obligation to defend the woman.
State Farm claims that the defendant, Julie Hefner-Phipps, admitted to police that she directed and participated in the diaper insults.
The girl’s family sued Hefner-Philips.
State Farm says the victim tried suicide the day she saw the insulting diapers, one of which stated, “move-bitch.” She was placed in intensive care and then sent to a psychiatric hospital.
State Farm says it’s not obligated to defend Hefner-Phillips because the policy excludes “bodily injury or property damage … which is the result of willful and malicious acts of the insured.”