Cadwallader v. Allstate Ins. Co.

Summary

The court held that the term "relative" in Allstate's uninsured-motorist policy is clear and ordinarily means a person related by blood or marriage, not a foster child. Because the foster children were residents but not relatives under the policy, they were not insureds entitled to UM coverage, and the policy did not violate the statutory UM scheme or equal-protection principles. The court reversed the court of appeal, reinstated the district court's judgment for Allstate, and remanded for further proceedings.