Bouton v. USAA Cas. Ins. Co., 2008 WL 2332004 ( Cal. ), involved two consolidated cases, Bouton v. USAA Casualty Insurance Company and O'Hanesian v. State Farm Mutual Automobile Insurance Company.
The first action involved a driver who was injured in an automobile accident and settled his claim against the driver of the other vehicle for the policy limit of $15,000. The insured formally demanded arbitration with his sister's insurer, seeking damages exceeding the policy limit payment he received from the other driver's insurer. The insurer denied coverage, claiming that the plaintiff was not a resident of his sister's household, and was therefore not covered under her insurance policy.
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