Karen Felter and Marla Raus won summary judgment in Chenango County for an insurance carrier who sought a declaration it had no duty to defend or indemnify its insured on an excess policy for claims arising from a motor vehicle accident caused by the insured’s intoxication. Felter and Raus successfully argued the insured’s accident fell entirely within a criminal acts exclusion in the policy. The Court rejected arguments that the insured’s criminal acts were not conclusively established, that the insurer had failed to timely disclaim coverage to each of the defendants, that the exclusion relied upon was ambiguous and that the exclusion violated public policy.