Defendants appeal as of right from September 6, 1988, opinions and orders granting in part plaintiffs’ motions for summary disposition in these declarаtory judgment actions. We affirm.
Plaintiff insurance companies brought declaratory judgment actions claiming they are not liable to defend оr indemnify their insureds for damages stemming from their insureds’ participation in the killing and injuring of three individuals who are represented by defendants. Defendants filed the underlying lawsuit against plaintiffs’ insureds, Theodoric Mutry and Tony and Aaron Taylor. Plaintiff Michigan Basic Property Insurance Association (Michigan Basiс), the Taylors’ homeowner’s insurer, and plaintiff Secura Insurance Company, Mutry’s homeowner’s insurer, brought summary disposition motions claiming their policies exclude the sort of injuries incurred by defendants. Defendants filed a like motion claiming the events which gave rise to their claims against the insureds fall outside the scope of the policies’ exclu *639 sions. The trial court found the policies excluded coverage for the claimed injuries and granted summary disposition in favor of plaintiffs with respect to the three aforementioned insureds.
In a wooded section оf Palmer Park in Detroit, Maurice Reynolds, Mutry and the Taylors, all minors at the time, assaulted and robbed three individuals. John Blotsky and Michael Roy were beaten and killed by the foursome while Robert Porter was severely injured. The foursome entered the park at approximately 5:00 p.m. intending to rob homosexuals whom they believe carry large amounts of cash. The plan was formed following a conversation wherein Reynolds "brаgged” about how he and his cousins had beaten and robbed individuals in the park the preceding summer using such weapons as baseball bats and knives. Reynolds brought a wooden club similar in shape to a baseball bat. As Mutry stated in a deposition, it was "obvious” that the intent was to obtain money whether "you have to hurt them (the victims) or not.”
Once in the park the four verbally assaulted the first man they saw. Thereafter the four spotted and lost sight of Blotsky. They split into twosomes and began a search. Mutry and Aaron Taylor found Blotsky and directed Reynolds to him. Reynolds ran up behind Blotsky and struck him in the heаd with the club. Blotsky fell to his knees saying he did not have any money whereupon Reynolds again struck him in the head with the club. Aaron Taylor, while cursing at Blotsky, took the club and beat him on his ribs and stomach at least four times. Tony Taylor and Reynolds searched Blotsky and recovered fifty cents. After Mutry detеrmined Blotsky was probably dead, Tony Taylor and Reynolds pulled him into the underbrush of the woods to conceal the body and the foursome movеd on to *640 find their next victim, Roy. A similar scenario ensued resulting in Roy’s death. The foursome have also been implicated in the assault on Porter.
On аppeal defendants claim the trial court erred in finding the contested policies excluded coverage because plаintiffs’ insureds did not expect or intend the injuries for which damages are now sought. We will address each policy separately.
MICHIGAN BASIC
The policy at issue provides coverage, defense of claims and indemnity for personal liability for: "all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies, caused by an occurrence.” An occurrence is defined as "an accident, including injurious exposure to conditions, which result, during the policy term, in bodily injury or proрerty damage.”
Our Supreme Court has recently defined the term "accident” for purposes of policies of accident insurance as "an undersigned contingency, a casualty, a happening by chance, something out of the usual course of things, unusual, fortuitous, not anticiрated, and not naturally to be expected.”
Allstate Ins Co v Freeman,
We therefore аffirm the trial court’s grant of partial summary disposition in favor of plaintiff, Michigan Basic, as the damages claimed by defendants did not result from an "occurrence” covered by the insurance policy.
SECURA
Unlike the Michigan Basic policy, Secura’s policy does not limit personаl liability coverage to accidental occurrences. The policy provides the insured personal liability coverage "fоr damages because of bodily injury or property damage.” Thus, as the coverage section of the policy applies, we must lоok to the policy’s exclusions to see if, as plaintiff claims, the insured’s, Theodoric Mutry’s, actions preclude coverage of the claimed damages.
The exclusion section of the policy excludes personal liability coverage for bodily injury or property dаmage "which is expected or intended by the insured.”
In Freeman, supra, a majority of the Court interpreted a similar provision which excluded coverage fоr injuries either "expected or intended *642 from the standpoint of the insured” as requiring use of a subjective test to determine the insured’s expeсtations or intent. In so holding, the Court relied in great part on the policy’s inclusion of the language, expectation or intent "from the standрoint of the insured.” As the instant policy’s exclusion does not contain this language, it is questionable whether a subjective test is warranted. Nonethеless, we believe the insured’s actions viewed either subjectively or objectively fall within the policy’s exclusion of coverage for injuriеs either expected or intended by the insured. Although the determination of an individual’s subjective intentions may be difficult, such intention may be disclosed by dеclarations or actions. Moreover, as oft noted, sometimes a person’s actions speak louder than his words. Freeman, supra, p 679. We believe this to be such a case.
The trial court therefore properly granted partial summary disposition in favor of plaintiff Secura, as the policy excluded coverage for damages which were either the expected or intended result of the insured’s actions.
Affirmed.