Alcala v. Mid-Century Insurance Co
In Alcala v. Mid-Century Insurance Co., 171 Ariz. 121, 122, 828 P.2d 1262, 1263 (App. 1992), the plaintiff had been injured while riding as a passenger on a motorcycle.
The driver of the motorcycle did not own it, and the owner did not have an insurance policy covering it. Id. The plaintiff sought coverage under the UIM provision of the driver's automobile policy, which would only provide coverage if the plaintiff had been injured while riding in the driver's insured car. Id.
The Court determined the reasonable expectations doctrine did not apply to an injured party who "had nothing to do with the purchase of the policy in question and never had an insurable interest or expectancy under the policy." Id. at 124, 828 P.2d at 1265.