Opinion ID: 1658184
Heading Depth: 2
Heading Rank: 1

Heading: pertinent insurance provisions

Text: In these cases, the drivers of the automobiles involved in the accidents were insured under the terms of the policies at issue. In Deyarmond and Nicholson, the drivers were insured because they were relatives of the named insured living in the same household. In Schiebout, the driver was the named insured. The policy language of the four policies at issue in these three cases is substantially similar. The language of the Deyarmond policy is illustrative. Under the general heading of Part I  Liability, the first section is headed: Coverage A  Bodily Injury Liability.... [The insurer agrees] [t]o pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of: A. bodily injury, sickness or disease, including death resulting therefrom, hereinafter called bodily injury, sustained by any person; ... arising out of the ownership, maintenance or use of the owned automobile or any non-owned automobile....    Persons Insured: The following are insureds under Part I: (a) with respect to the owned automobile, (1) the named insured and any resident of the same household,    (b) with respect to a non-owned automobile, (1) the named insured, (2) any relative....    Definitions: Under Part I:    relative means a person related to the named insured by blood, marriage or adoption who is a resident of the same household....    owned automobile means (a) a private passenger, farm or utility automobile described in this policy for which a specific premium charge indicates that coverage is afforded.    non-owned automobile means an automobile or trailer not owned by or furnished for the regular use of either the named insured or any relative....    Exclusions: This policy does not apply under Part I: (a) to any automobile while used as a public or livery conveyance.... (b) to bodily injury or property damage caused intentionally by or at the direction of the insured; (c) to bodily injury or property damage with respect to which an insured under this policy is also an insured under a nuclear energy liability policy .... (d) to bodily injury or property damage arising out of the operation of a farm tractor or farm machinery; (e) to bodily injury to any employee of the insured.... (f) to bodily injury to any fellow employee of the insured injured in the course of his employment .... (g) to an owned automobile while used by any person while such person is employed or otherwise engaged in the automobile business....[ [5] ]