Opinion ID: 2616603
Heading Depth: 1
Heading Rank: 3

Heading: state farm mutual automobile insurance company

Text: Agrees with the insured, named in the declarations made a part hereof, in consideration of the payment of the premium and in reliance upon the statements in the declarations and subject to all of the terms of this policy: (Note: The words in bold face italic type are defined under definitions within each Section.) SECTION I  LIABILITY AND MEDICAL PAYMENTS INSURING AGREEMENTS COVERAGE A  BODILY INJURY LIABILITY COVERAGE B  PROPERTY DAMAGE LIABILITY To pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of (A) bodily injury sustained by other persons, and (B) property damages, caused by accident arising out of the ownership, maintenance or use, including loading or unloading, of the Owned motor vehicle; and to defend, with attorneys selected by and compensated by the company, any suit against the insured alleging such bodily injury or property damage and seeking damages which are payable hereunder even if any of the allegations of the suit are groundless, false or fraudulent; but the company may make such investigation, negotiation and settlement of any claim or suit as it deems expedient ... . USE OF NON-OWNED AUTOMOBILE ... (1) Coverages A and B applies to the use of a non-owned automobile by: (a) the first person named in the declarations or, (b) if residents of the same household, his spouse or the relatives of either, and (c) any other person or organization not owning or hiring such automobile, but only with respect to his or its liability for the use of such automobile by an insured as defined in subsection (a) and (b) above; ... PROVIDED SUCH USE, OPERATION OR OCCUPANCY IS WITH THE PERMISSION OF THE OWNER OR PERSON IN LAWFUL POSSESSION OF SUCH AUTOMOBILE AND IS WITHIN THE SCOPE OF SUCH PERMISSION. The definition of insured does not apply to Use of Non-Owned Automobiles. THIS INSURANCE DOES NOT APPLY UNDER: ... (h) COVERAGE A, TO BODILY INJURY TO ANY INSURED OR ANY MEMBER OF THE FAMILY OF AN INSURED RESIDING IN THE SAME HOUSEHOLD AS THE INSURED;... . DEFINITIONS  SECTION 1 ... Insured  the unqualified word insured includes (1) the named insured, and (2) if the named insured is a person or persons, also includes his or their spouse(s), if a resident of the same household, and (3) if residents of the same household, the relatives of the first person named in the declarations, or of his spouse, and (4) any other person while using the owned motor vehicle, PROVIDED THE OPERATION AND THE ACTUAL USE OF SUCH VEHICLE ARE WITH THE PERMISSION OF THE NAMED INSURED OR SUCH SPOUSE AND ARE WITHIN THE SCOPE OF SUCH PERMISSION, and (5) under coverages A and B any other person or organization, but only with respect to his or its liability for the use of such owned motor vehicle by an insured as defined in the four subsection above. ... Resident or Reside  when used with reference to the named insured's household, means bodily presence in such household and an intention to continue to dwell therein. However, the named insured's unmarried and unemancipated children, while away from his household attending school, are deemed to be residents of his household. 6886 STATUTORY ENDORSEMENT  OKLAHOMA ... In consideration of the premium paid, it is agreed that, when the Declarations Page indicates that Coverages A and B are applicable to the policy, the following statement applies: Liability insurance is provided in this policy in accordance with the coverage required by the Compulsory Insurance Law of Oklahoma. I.