In Padgett v. Georgia Farm Bureau Mut. Ins. Co., No. A05A1874, 2005 WL 3359328 (Ga. App. Dec. 12, 2005), a Georgia appeals court held that an ambiguity existed in part of an auto policy's definition of “insured.”

Phillip Padgett was a passenger in a vehicle driven by Eathern Walker when the vehicle collided with a vehicle driven by Alexander Caravella. Both Padgett and Walker were employed by Walker's father, who owned the vehicle Walker was operating. They were returning to their job site with supplies at the time of the collision.