Murphy v. Gov't Employees Insurance Co.

Summary

The Supreme Court of Maryland held that the household exclusion in the automobile insurance policy limits the adult children's recovery on their wrongful death claims to the Maryland statutory minimum. The policy's defined term "bodily injury" identifies the event triggering coverage—the insured father's death—rather than the types of damages claimed by the children, and the exclusion applies because that triggering injury was to an insured. The court affirmed the judgment of the Appellate Court of Maryland.