Glen Falls Insurance v. Smith

I fully concur with the majority’s Opinion in this case. Nevertheless, I feel the need to *229write separately to address the issues raised by my dissenting colleagues and to clarify the misconceptions that may arise therefrom.

Both of my dissenting brethren have suggested that coverage for Johnny Combs existed under Billie Joe Smith’s Glen Falls policy of motor vehicle insurance because Johnny is Mr. Smith’s “foster child” or “ward.” With this position, I fervently disagree. In the first dissenting opinion, my colleague misapprehends the meaning of the term “foster child” as that phrase is…