[I177]

innocent insured (doctrine)

A concept (that still appears statutorily in some jurisdictions) that preserves one person's right to recover under an insurance contract if the insurance coverage involved a loss that was deliberately caused by another insured. However, in order to recover, the affected insured must not have had any part in either deceiving the insurer or causing the loss. Also, an innocent insured's status may (depending on the jurisdiction) be voided if an insurance policy contains a provision that specifically excludes coverage for non-complicit parties.