In Ameen v. Prudential Prop. and Cas. Ins. Co., 2005 OK CIV APP 23, 110 P.3d 86, the plaintiff sued his parent's automobile insurance company for bad faith denial of his claim for UM benefits. The insurance company denied coverage on the basis that the plaintiff was not an insured because he was operating a motorcycle at the time of injury.
The appellate court reversed the trial court's judgment in favor of the insurer. It held insurance policy provisions which redefined an insured based on his location or the particular vehicle he was occupying at the time of injury were invalid.
Because Ameen was listed as a resident relative under his parent's automobile insurance policy and his parents paid a premium for Ameen's coverage, the appellate court held Ameen was an insured under the policy and was entitled to UM benefits.
The plaintiff in Ameen did not own a vehicle not covered by the policy nor did he have the opportunity to accept or reject UM coverage. Ameen at P14, 110 P.3d at 90.