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首页> 外文期刊>Journal of internet law >A.O.L. V. ST. Paul Mercury Insurance: The Fourth Circuit Revisits Coverage For Damage To Data
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A.O.L. V. ST. Paul Mercury Insurance: The Fourth Circuit Revisits Coverage For Damage To Data

机译：A.O.L. V.ST. Paul Mercury Insurance：第四巡回法院重新审查数据损坏的范围

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摘要

As both companies and individuals increasingly rely on computers, property and liability insurance claims involving data as a component of the loss have increased in number. Such claims can arise from a multitude of factual scenarios: a fire that destroys precious data, a power outage or spike that corrupts computer systems, virus-caused data destruction, a denial-of-service attack, data theft, dissemination of electronically-stored private information, or hacking vandalism (internal and external). Whether such claims are subject to coverage is another question on which the Fourth Circuit recently issued an influential opinion, America Online, Inc. v. St. Paul Mercury Insurance Company. Applying Virginia law, the AOL court held that the corruption of data on aggrieved AOL users' computers did not result in "physical damage to tangible property," even if the computers were rendered inoperable. Thus, AOL's insurer, St. Paul, had no duty to defend AOL in underlying lawsuits by injured AOL users.
机译：随着公司和个人越来越依赖计算机，涉及数据作为损失组成部分的财产和责任保险索赔的数量也在增加。此类索赔可能来自多种事实情况：毁坏珍贵数据的火灾，断电或破坏计算机系统的峰值，病毒引起的数据破坏，拒绝服务攻击，数据盗窃，电子存储的传播私人信息或黑客破坏（内部和外部）。第四巡回法院最近发表了一个有影响力的意见，America Online，Inc.诉St. Paul Mercury Insurance Company，这是另一个问题。根据维吉尼亚州法律，AOL法院裁定，即使AOL用户的计算机无法正常使用，其在受屈的AOL用户计算机上的数据损坏也不会导致“对有形财产的物理损害”。因此，AOL的保险人圣保罗（St. Paul）没有义务为受伤的AOL用户在基础诉讼中为AOL辩护。

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