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首页> 外文期刊>Canadian Environmental Law Reports >Zurich Insurance Company Ltd. v. Halifax Regional Municipality
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Zurich Insurance Company Ltd. v. Halifax Regional Municipality

机译：苏黎世保险公司诉哈利法克斯地区市政府

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Insurance-Principles of interpretation and construction - Reasonable expectations-Insurers insured municipal bus depot - Contamination occurred from diesel fuel which had been discharged from underground pipe at bus depot - Investigation determined that over period of months, damage was caused by open manual ball valve in abandoned pipe which discharged fuel every time certain system was activated - Insured incurred significant clean-up costs and sought indemnity from insurers under policy which contained Decontamination Expense (Pollution Clean Up) coverage extension - Insurers denied claim - Insured successfully applied for declaration that coverage extension of policy gave insured coverage for property clean-up costs arising from escape of diesel fuel - Judge determined words "sudden and accidental" in policy were ambiguous and concluded loss was covered - Insurers appealed, alleging judge erred in interpreting policy - Appeal dismissed - Correctness standard of review applied to interpretation of policy - Judge erred in finding decontamination expense coverage to be ambiguous, but was correct to find cost of removing contamination was covered under policy - Proper interpretive approach to phrase "sudden and accidental" was not one undertaken by judge - Ordinary meaning of "sudden and accidental" is something that is abrupt, unexpected and unintentional, which encompassed mechanism whereby diesel fuel was discharged - Loss was covered - Judge held that policy holder would reasonably expect that policy insured very risk of loss that ultimately materialized, and that expectation was capable of being reasonably supported by policy language -Policy language did not support insurers' interpretation.
机译：保险 - 诠释和建设原则 - 合理的预期 - 保险公司被保险公司城市公交车库 - 柴油燃料发生在巴士仓库的地下管道上，确定，在几个月内，损坏是由开放式手动球阀引起的放弃燃料每次某些系统都被激活的管道被激活 - 被保险人受到显着的清理成本，并在政策下追求了保险公司的保险公司（污染清理）覆盖范围 - 保险公司拒绝申请宣布覆盖范围政策对柴油燃料逃脱产生的财产清理成本进行了保险覆盖 - 法官确定的“突然和偶然”政策中的含糊不清，并结束了损失 - 保险公司上诉，据称法官在口译政策中进行了上诉 - 呼吁解除 - 申诉驳回审查标准适用于政策的特点 - 判断出发现净化费用覆盖率的判断是暧昧的，但找到污染成本是正确的，在政策中涵盖了污染的成本 - 适当的解释方法，以“突然而偶然”的“突然和意外”是法官 - 普通含义“突然和偶然的“是突然的，意外和无意的东西，包括柴油燃料被排出的机制 - 被纳了损失 - 判断认为，政策持有人合理地期望政策保险非常有利于最终实现的损失风险，并且预期的预期能够合理地由政策语言-Policy语言支持，并不支持保险公司的解释。

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