Virginia Farm Bureau Mutual Insurance v. Gile

In this appeal, we consider whether the trial court erred in concluding that a child who lives with her mother and her mother’s male companion is the “foster child” of that companion and, thus, is an “insured” person as those terms are defined in his motor vehicle liability insurance policy.

The facts in the case are undisputed. In August 1996, 16-year-old Charmayne Gile was injured in an automobile accident while riding as a passenger in a vehicle owned and operated by Maria Lynn Dye. The accident occurred when Dye’s vehicle collided with a vehicle owned and operated by Norman Russell Carter,…