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Grinnell Mutual Reinsurance Co v. Nicole A. Haight

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ARGUED SEPTEMBER 30, 2011

Before EASTERBROOK, Chief Judge, and POSNER and WILLIAMS, Circuit Judges.

Shawn Haight purchased an insurance policy that included underinsured motorist coverage for the named insured (him) and any family members. After his teenage daughter Nicole was injured while riding in a car driven by an acquaintance whose insurance did not fully compensate her, she made an underinsured motorist claim on her father’s policy. The insurance company maintains that Nicole is not entitled to coverage because she was not riding in a vehicle listed on her father’s policy when she was hurt. But we read the policy to provide underinsured motorist cov- erage to the named insured and his family members that does require the named insured or his family members to be occupying a vehicle listed on the policy during the accident. We therefore affirm the district court’s entry of summary judgment in favor of Nicole.

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