Havlik v. Bittner

The insurance policy contained, among others, the following provisions:

“III. Definition of ‘Insured’

“With respect to the insurance for bodily injury liability and for property damage liability the unqualified word ‘insured’ includes the named insured and also includes any person while using the automobile and any person or organization legally responsible for the use thereof. . . .

“Exclusions

“This policy does not apply: . . .

“(o) under Coverage A to the insured or any member of the family of the insured residing in the same household as the insured.”

The Insurance Company contends that the…