Curtis v. Commerce Insurance

The plaintiff brings this action seeking a declaration as to whether the defendant, the Commerce Insurance Company (Commerce) is obligated to pay benefits to the estate of Margaret H. Harvard under a Standard Automobile Policy (the Policy). This insurance policy was issued to a woman with whom Ms. Harvard lived, Jacqueline O’Grady. The plaintiff claims that Ms. Harvard was a “household member” in the home of Ms. O’Grady. Specifically the plaintiff claims that Ms. Harvard was a ward of Ms. O’Grady’s, and as such, qualified for coverage as a household member under the Policy. Both parties have…