Opinion ID: 1116146
Heading Depth: 1
Heading Rank: 14

Heading: was the decedent a named insured for the purposes of uninsured motorist coverage?

Text: Linda, as cross-appellant, argues that Larry was a named insured and therefore, a Class I insured for the purposes of uninsured motorist coverage. Section 83-11-103(b) defines an insured as follows: The term insured shall mean the named insured and, while resident of the same household, the spouse of any such named insured and relatives of either, while in a motor vehicle or otherwise, and any person who uses, with the consent, expressed or implied, of the named insured, the motor vehicle to which the policy applies. In Stevens, 345 So.2d at 1043, we recognized that this statute creates two distinct classes of insureds. The first class consists of the named insured, and while residents of the same household, his spouse and relatives of either. The coverage to this class of insureds extends to those situations while in a motor vehicle or otherwise. The second class of insureds consists of any person who uses, with the consent, expressed or implied, of the named insured, the motor vehicle to which the policy applies. The record clearly indicates that Larry was in this latter class and this assignment is without merit.