MRI Healthcare Center of Glendale, Inc. v. State Farm General Insurance

MRI Healthcare Center of Glendale, Inc. (MHC), appeals from a judgment entered by the superior court after it denied MHC’s motion for summary judgment and granted respondent State Farm General Insurance Company’s (State Farm) cross-motion for summary judgment. The action arises from State Farm’s denial of MHC’s claim under a business insurance policy for loss as a result of claimed damage to its MRI (magnetic resonance imaging) machine and loss of income after the machine failed to satisfactorily “ramp up” after it was “ramped down.”

MHC asserts triable issues of fact precluded the grant of summary judgment to State Farm and MHC is entitled to summary judgment because State Farm has no defense against MHC’s claims. State Farm contends (1) the undisputed facts establish that the MRI machine did not sustain “physical loss,” nor was the alleged loss the result of an “accident”; (2) rainstorms MHC contends were the predominant cause of the loss were not a legally cognizable cause of the claimed loss; and (3) all potential causes of MHC’s loss are specifically excluded under the policy. We affirm.

FACTS

1. The Parties

MHC provided MRI scanning services as its sole…