Averett v. Farmers Ins. Co. of Arizona

OPINION

ZLAKET, Justice.

We accepted review of this case to examine the relationship between an insured’s “reasonable expectations” of coverage and the “household exclusion” found in an automobile liability insurance policy. We have jurisdiction pursuant to Ariz. Const, art. 6, § 5(3) and A.R.S. § 12-120.24.

BACKGROUND

Angela and Daniel Averett were seriously injured while riding as passengers in the family automobile driven by their mother, Carol Averett. Carol died as a result of the accident, which the parties have stipulated was caused by her negligence.

Ray Averett, Carol’s husband, made a…