Opinion ID: 167321
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Heading: Relevant Provisions of the Policy

Text: 5 The policy included subsections entitled Commercial Auto Coverage Part and Business Auto Coverage Form. The Business Auto Coverage Form provides in pertinent part: Throughout this policy the words `you' and `your' refer to the Named Insured shown in the Declarations. In Section II-Liability Coverage, insured is defined as: 6 The following are insureds 7
8 b. anyone else while using with your permission a covered auto you own, hire or borrow except: 9 (1) The owner or anyone else from whom you hire or borrow a covered auto. This exception does not apply if the covered auto is a trailer connected to a covered auto. 10 (2) Your employee if the covered auto is owned by that employee or a member of his or her household. 11 (3) Someone using a covered auto while he or she is working in a business of selling, servicing, repairing, parking or storing autos unless that business is yours. 12 (4) Anyone other than your employees, partners (if you are a partnership), members (if you are a limited liability company), or a lessee or borrower or any of their employees while moving property to or from a covered auto. 13 (5) A partner (if you are a partnership) or a member (if you are a limited liability company) for a covered auto owned by him or her or a member of his or her household. 14 c. Anyone liable for the conduct of an insured described above, but only to the extent of that liability. 15 Aplt.App. at 46. 16 In Section V — Definitions, insured is defined as: any person or organization qualifying as an insured in the Who is An Insured provision of the applicable coverage. Aplt.App. at 53. In an endorsement entitled Oklahoma Uninsured Motorists Coverage (hereinafter: UM/UIM endorsement) the Who is an Insured provision provides that an insured is:
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18 3. Anyone else occupying a covered auto or a temporary substitute for a covered auto. The covered auto must be out of service because of its breakdown, repair, servicing, loss, or destruction. 19 4. Anyone for damages he or she is entitled to recover because of bodily injury sustained by another insured. 20 Aplt.App. at 58-59. 21 In an endorsement entitled Auto Medical Payments Coverage, the Who is Insured provision states that an insured is: 22 1. You while occupying or, while a pedestrian, when struck by any auto. 23 2. If you are an individual, any family member while occupying or, while a pedestrian, when struck by any auto 24 3. Anyone else occupying a covered auto or a temporary substitute for a covered auto. The covered auto must be out of service because of its breakdown, repair, servicing, loss or destruction. 25 Finally, there is an endorsement provision titled Named Persons . . . As Insureds which states as follows: 26 This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM, GARAGE COVERAGE FORM, TRUCKERS COVERAGE FORM . . . 27 Named Person(s) or Organizations(s): JOANN HABERMAN, AN INDIVIDUAL. . . 28 Each person or organization listed above is an insured for LIABILITY COVERAGE, but only to the extent that person or organization qualifies as an `insured' under the WHO IS INSURED provision of SECTION II — LIABILITY COVERAGE. 29 Aplt.App. at 64; 365. 2 This provision also listed Haberman as an additional insured. Id. 30 Section I Covered Autos under the Business Auto Coverage Form, states: 31 Item Two of the Declarations shows the autos that are covered autos for each of your coverages. The following numerical symbols describe the autos that may be covered autos. The symbols next to a coverage on the Declarations designate the only autos that are covered autos. 32 Aplt.App. at 45. The symbol 7 is defined as: 33 Specifically described Autos — only those autos described in Item Three of the Declarations for which a premium charge is shown (and for Liability Coverage any trailers you don't own while attached to any power unit described in Item Three). 34 Aplt. App. at 45. The commercial policy section titled Item Two — Schedule of Coverages and Covered Autos, uses the symbol 07 under Uninsured Motorists Coverages. 35 The UM provisions in the policy only covered two automobiles, a 1988 Honda Accord and a 1999 Lexus LS400, which were listed under Symbol 7 of the Center's commercial automobile policy. The commercial policy section titled Schedule of Limits Uninsured Motorist Coverage and Underinsured Motorists Coverage states that the limits are designated as $300,000 each accident.