Damn-Fool Doctrine Law and Legal Definition

Damn fool doctrine is a principle of Insurance law. It refers to a body of cases where courts have refused insurance coverage for acts “too ill conceived to warrant allowing the actor to transfer the risk of such conduct to an insurer.” The insurer may deny coverage when an insured engages in behavior that is so ill-conceived that the insurer should not be compelled to bear the loss resulting from the insured's actions.