CLARKE, Presiding Justice.
Stephen Stepho owned a pick-up truck insured by Allstate. The policy excluded liability for injury to any person related by blood to the insured and residing in insured's house. Stephen's adult son, Saad Stepho, was a named insured on the policy. Saad was authorized to use Stephen's truck. Stephen's 14-year-old son Nashwan, a passenger
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