Wade Clark Mulcahy LLP

In the case of <em>Donegal Mutual Insurance Co. v. Richard Baumhammers</em>, the Supreme Court ruled that "when multiple injuries can be traced to a single proximate cause", there is but one occurrence. This ruling -- which adopted the cause as opposed to effects theory of occurrences -- reversed the lower court's holding that each of the defendant's 6 shootings (which took place over several hours in 4 PA counties) was a separate occurence that triggered policy coverage.
<a href="http://www.courts.state.pa.us/OpPosting/Supreme/out/J-3-2007mo.pdf">http://www.courts.state.pa.us/OpPosting/Supreme/out/J-3-2007mo.pdf</a>