...  At the 779 time of the accident, the policy provided bodily injury coverage with liability limits
of $100,000 for "each person" and $300,000 ... The plaintiff thus may not recover under the per
accident provision of the policy, which requires bodily injury to "two or more persons....". ...
... The court reasoned that "an accident exists when any aspect in the causal series
of events leading to the injury or damage was unintended by the insured and a matter
of fortuity." (Internal quotation marks omitted.) Id., at 899. ...
... at the time of the occurrence, accident, injury or damages complained of, was performing fire . . .
duties and if such occurrence, accident, injury or damage was not the result of any wilful or
wanton act of such fireman . . . in the discharge of such duties . . . . ...
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