Opinion ID: 3051478
Heading Depth: 3
Heading Rank: 3

Heading: Arising out of the ownership, maintenance, or

Text: use of an underinsured auto. (Bolding in original.) PROGRESSIVE CASUALTY INS. v. OWEN 3045 The policy defines an “insured” for purposes of the UIM coverage as follows:

auto.
ages covered by this endorsement because of bodily injury sustained by a person in i. or ii. above.
ship, organization or any other entity that is not a living person:

ages covered by this endorsement because of bodily injury sustained by a person described in i. above. The declarations page of the policy identifies “BENNETT OWENTRUCKING I” as the named insured. Accordingly, only section (b) under the definition of “insured” is relevant under the policy. The policy defines “you” as “the named insured.” It defines “your insured auto” as “any auto described in the Declarations and any auto you replace it with.” “[I]nsured auto” is further described as
porarily driving it as a substitute for any other auto described in this definition because of its withdrawal from normal use due to breakdown, repair, servicing, loss, or destruction. The medical benefits section of the policy is substantially similar. It provides coverage for medical and funeral expenses 3046 PROGRESSIVE CASUALTY INS. v. OWEN due to bodily injury sustained by an “insured” and caused by an accident arising out of the ownership, maintenance and use of any auto. The medical benefits section provides that if the named insured is a person, “insured” means the named insured or a relative while occupying an insured auto. “Insured” also includes any other person occupying an insured auto. As described above, the policy defines “insured auto” as any auto listed in the declarations and any auto not owned by the named insured that is being used as a substitute for a covered auto because of breakdown, repair, servicing, loss, or destruction.