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Fabiloa caused an accident where she, her grandmother, and both of her parents were injured. If either Fabiloa or her parents owned the car, coverage would be clear. However, Fabiloa was driving her grandmother’s car and grandmother did not live with Fabiloa’s family.
The parents sued Fabiloa's grandmother for the injuries they sustained. State Farm denied coverage for their injuries because of the household exclusion.
The parents argued that, because the exclusion used the term “the” insured instead of the term “any” insured, only members of Fabiloa's grandmother’s household were excluded from coverage.
The court agreed with the parents.
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