Opinion ID: 3010927
Heading Depth: 3
Heading Rank: 3

Heading: Anyone else `occupying' a covered `auto' or a

Text: temporary substitute for a covered `auto.' . . . 3 4. Anyone for damages he or she is entitled to rec over because of `bodily injury' sustained by another `insured.' The endorsement defined family member asa person related to you by blood, marriage or adoption who is a resident of your household . . . . The second page of the non-trucking liability policy itself, rather than the UIM endorsement, further provided: Throughout this policy the words `your' [sic]1 and`your' [sic] refer to the Named insured shown in the Declarations. The words `we' `us' and `our' refer to the Company providing this insurance. The declaration page, in turn, listed the Insured's Name/Address as Intrenet, Inc., et al. P.O. Box 248, Rockport, Indiana 47635. Additionally, Generali issued an endorsement, which became a part of the policy, that provided a named insured schedule. This schedule listed Intrenet, ADS, and other Intrenet affiliates as named insureds, but did not list Anderson or the other owneroperators. Finally, as significant here, the UIM endorsement contained an arbitration clause that stated in relevant part: a. If we and an `insured' disagree whether the`insured' is legally entitled to recover damages from the owner or driver of an `uninsured motor vehicle' or `underinsured motor vehicle' or do not agree as to the amount of damages, either party may make a written demand for arbitration. . . . b. . . . A decision agreed to by two of the arbitr ators will be binding as to: 1. Whether the `insured' is legally entitled to recover damages, and 2. The amount of damages. . . . App. at 732. _________________________________________________________________ 1. As Generali points out, Br. at 13 n.2, the first word clearly was meant to be you instead of your. 4