Bousfield v. Hardware Dealers Mutual Fire Insurance

In moving for summary judgment, Farmers claimed that Alice was a named insured under the policy covering the Bousfield automobile and that under the exclusion provisions of the policy, the coverage did not extend to damages sustained by Alice. The pertinent provisions of the policy are as follows:

“Definition of ‘Named Insured’ and ‘Insured’ under Part I.(1) If the insured named in item 1 of the declarations is an individual, the term ‘named insured’ includes his spouse if a resident of the same household;

“(2) The unqualified word ‘insured’ includes (a) with respect to any automobile as…