Benning v. Allstate Insurance

WILNER, Chief Judge.

On February 4,1989, Patricia Benning, while a passenger in a car being driven by her sister Pamela, was severely injured when the car went out of control and hit a pole. Pamela was insured at the time under a policy issued by Allstate Insurance Company. The policy provided coverage for bodily injury claims up to $100,000 but contained a partial “household exclusion,” which limited coverage to $20,000 for bodily injury claims made by “any person related to an insured person ... and residing in that person’s household.” Residence was defined in the policy as “the physical…