Mr. Sterling's minor son was seriously injured when the boy was struck by a car driven by an underinsured driver. Mr. Sterling filed a claim for benefits, arguing the uninsured motorist provision of his business auto policy was triggered. Ohio Casualty said the Sterling son was not covered by the policy and denied the claim. Mr. Sterling and his wife sued. The trial court agreed with the insurer as did the Second District Court of Appeal. The Sterlings appealed to this Court.