Jessica Hill v. State Farm Mutual Automobile Insurance Company

Summary

The court held that the State Farm policy's term “resident relative” was ambiguous as applied to Tyler, an unemancipated minor who had been in his father's sole legal custody but was temporarily staying elsewhere when the accident occurred. Physical residence on the accident date was relevant but not controlling; Tyler's minority, legal custody, historical residence, documentation, and dependency supported coverage, and the ambiguity had to be resolved in favor of the insured. The court reversed the lower-court judgments and remanded for summary judgment establishing coverage and indemnity for Tyler.