Additional Insured Is Non-resident Relative

May 2, 2016

The insured's father cosigned the mortgage and was placed on the policy as an additional insured per form HO 04 41. He did not reside with the insured. The insured's father was helping the insured remodel a porch deck when he fell and was injured. HO 04 41 makes the father an additional insured, and the med pay exclusion precludes coverage for an insured. However, since the father did not reside with the insured, does med pay coverage apply?

Ohio Subscriber

The fact that the father did not live with the insured does not negate the endorsement making him an insured. The definition of “insured” is extended to the scheduled individual for coverages A, B, E, and F, meaning that the father cannot both be an additional insured and an other person who receives benefits. As he is an insured for coverage F, that would be providing benefits to himself. There is no coverage for the father.