In Maryland Casualty Co. v. Martinez, the insured had died and the brother-in-law of the insured's caretaker was driving the vehicle at the time of an accident. The court found that the insurer did not have to provide a defense since neither the surviving spouse nor the legal representative were driving the vehicle at the time of loss. (Credit: Kzenon/Shutterstock.com) In Maryland Casualty Co. v. Martinez, the insured had died and the brother-in-law of the insured’s caretaker was driving the vehicle at the time of an accident. The court found that the insurer did not have to provide a defense since neither the surviving spouse nor the legal representative were driving the vehicle at the time of loss. (Credit: Kzenon/Shutterstock.com)

We had an insured pass away and his son continued paying his auto insurance premium and allowing his grandson to drive the only listed auto on this policy. Do you see any coverage concerns with this? Any grounds for denial?

— Ohio Subscriber

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