Engler v. Stafford and Grange Mutual, 2007 WL 1378384 (Ohio App. 6 Dist. 2007) arose from a two-car automobile accident involving vehicles operated by Scott Sonnenberg and Scott Stafford. Engler was a passenger in the Sonnenberg vehicle. It was undisputed that the accident was caused by the negligence of Stafford and that Stafford was an uninsured motorist.

The Sonnenberg vehicle was insured by a Grange policy containing an uninsured / underinsured motorist coverage that provided: “We will pay damages which an insured is legally entitled to recover from an owner or operator of an uninsured motor vehicle because of Bodily injury suffered by the insured and caused by an accident.“ Engler qualified as an “insured“ under his policy from Citizens Insurance. Stafford was the operator of an “uninsured motor vehicle“ as defined by the Citizens policy. Citizens settled Engler's uninsured motorist claim and requested contribution from Grange. Grange denied the claim, contending that Engler was not an “insured“ under its policy.