Schill v. Cincinnati Ins. Co.

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Miles Cobrun was killed after he was struck by a vehicle driven by Robert Shill. Peggy Spaeth, Cobrun’s wife, filed a wrongful-death action against Robert and his insurer. Robert sought additional coverage under the liability policy of his parents issued by Cincinnati Insurance Company (CIC). CIC denied coverage. Robert then filed this declaratory-judgment action seeking a declaration that CIC owed him a duty of indemnification in the wrongful-death case. The trial court consolidated the declaratory-judgment and underlying wrongful-death actions. The trial court granted summary judgment for CIC. The appellate court reversed. At issue before the Supreme Court was the meaning of the term “domicile,” the crucial policy term at issue in regard to coverage for Robert under his parents’ CIC umbrella policy. The Supreme Court reversed, holding (1) in accordance with this Court’s previous jurisprudence, the definition of domicile is where a person resides, where he intends to remain, and where he intends to return when away temporarily; and (2) under this definition, Robert was not an insured “resident relative” under the umbrella policy at issue. View "Schill v. Cincinnati Ins. Co." on Justia Law