Ohio Court of Appeals March 20, 1998, Case No. CT97-0017 (Headley v. Government Risk Management, Unpublished Decision (3-20-1998))

I dissent from the conclusion reached by the majority. I would find the policies issued by appellants are ambiguous and would construe the ambiguity against appellants and in favor of appellee, the injured insured. The ambiguity I find lies in the term "you". The policy language contains the phrase "if you are an individual, any family member" [is an insured].