Pedestrian Did Not Qualify For Underinsured Motorist Coverage Of Her Father’s Insurance Policy.

Two pedestrians were killed by an underinsured motorist. The father of one of them, who had his own underinsurance coverage, claimed than his insurance company also provided insurance for his daughter. The daughter was 39 years old, and while she had lived with her father, for at least a year prior to the accident, she lived elsewhere. The trial court granted summary judgment, finding neither the policy nor the law provided Underinsured Motorist coverage for pedestrians.  The appellate court affirmed, noting that she did not live in the household of the insured and that “she was a pedestrian at the time of the accident, so she was not engaged in an activity related to one of the covered vehicles.”  (Berendes v. Farmers Insurance Exchange (Cal. App. Third Dist.; November 18, 2012) 221 Cal.App.4th 571, [164 Cal.Rptr.3d 498].)