State Farm says a policyholder, a mother, suggested her daughter taunta girl the daughter doesn't like by writing insults, including "bitch,""whore," "slut" and "you have no friends," on disposable diapers andstrewing them about the girl's yard. The girl attempted suicide and washospitalized after the mom bought the diapers, helped write theinsults, drove her daughter to the victim's house and helped her strewthem in the yard, State Farm says. It claims it has no obligation todefend the woman.
    State Farm claims that the defendant, JulieHefner-Phipps, admitted to police that she directed and participated inthe diaper insults.
    The girl's family sued Hefner-Philips.
    StateFarm says the victim tried suicide the day she saw the insultingdiapers, one of which stated, "move-bitch." She was placed in intensivecare and then sent to a psychiatric hospital.
    State Farm saysit's not obligated to defend Hefner-Phillips because the policyexcludes "bodily injury or property damage ... which is the result ofwillful and malicious acts of the insured."