Omni Insurance v. Harps

Carley, Chief Judge.

The relevant facts in this declaratory judgment action are as follows: Appellant-plaintiff insurer issued a policy of motor vehicle liability insurance to appellee-defendant Mrs. Sharon Harps. Under the general definitions of the policy, “you” and “your” were defined to mean “the Policyholder named in the Declarations and spouse if living in the same household.” The policy further defined an “insured person” as “[y]ou or a relative.” However, the policy also provided that “[n]o person shall be considered an insured person if that person uses a vehicle without a reasonable…