Opinion ID: 2959684
Heading Depth: 2
Heading Rank: 2

Heading: The Selective Insurance Policy

Text: Code § 38.2-2206 requires motor vehicle insurance policies to include uninsured and underinsured motorist insurance. In compliance with the Code, Draper Paving and Selective Insurance executed an endorsement as part of the Selective Insurance Policy to govern uninsured and underinsured motorist insurance. In the “Who Is Insured” section of this endorsement, the policy reads “2. Anyone else ‘occupying’ a ‘covered auto.’” The terms “occupying” and “covered auto” are further defined in the endorsement. There is no dispute that the two vehicles at issue in this appeal – the dump 6 truck Slone operated, and Harmon’s company pickup truck – were each a “covered auto” under this provision. 2 In dispute is whether Slone was “occupying” these vehicles at the time of the accident. In the “Words And Phrases With Special Meaning” section of the endorsement, the policy reads “11. ‘Occupying’ means in, upon, using, getting in, on, out of or off.” On appeal, Bratton argues that the circuit court erred by failing to hold that Slone was “occupying” the two covered vehicles by failing to hold (1) that Slone was both “using” and “getting . . . out of” the dump truck, and (2) that Slone was “using” the pickup truck.