Many automobile insurance policies cover the "named insured," but the term often causes confusion. It may not be well defined or it may not be clear to the policyholder.
What happens when the term is ambiguous and the policyholder has a claim? Is there coverage?
The case
Timothy Montoya and his girlfriend, Alexandra Medina, lived together in Florida but were unmarried. Montoya owned a Volkswagen Passat and had an auto insurance policy with GEICO. In 2012, Montoya added Medina and her Suzuki Vitara to the policy. Medina was the sole owner of the Suzuki.
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