I have a client who backed into their daughter's car. The daughter lives in the home and has her own insurance. Farmers has declined the coverage to fix the daughter's car stating she is listed as a covered party, lives in the household and Dad is on the loan for her vehicle. The daughter is a resident relative and the vehicle is titled to both father and daughter. 

Farmers sent me the exclusion in the policy that states property damage caused by any insured to: An automobile that is owned by, rented to, operated by, or in the care of that insured.

I have never run into this and think it should be covered.

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