... The exception to the doctrine upon which plaintiffs rely was articulated in Moorman itself.
This court noted that "[t]ort theory is appropriately suited for personal injury or property
damage resulting from a sudden or dangerous occurrence * * *. ...
... "COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY. 1. Insuring Agreement.
a. We will pay those sums that the insured becomes legally obligated to pay as damages because
of `bodily injury' or `property damage' to which this insurance applies. ...
... Section 13-204 provides: "(a) In instances where no underlying action seeking recovery for injury
to or death of a person or injury or damage to property has been filed by a claimant, no action
for contribution or indemnity may be commenced with respect to any payment made to ...