Marvin HAYES and Kathryn Sharp, Plaintiffs-Respondents, v. AMERICAN STANDARD INSURANCE COMPANY, Defendant-Appellant, 847 S.W.2d 150

SHRUM, Judge. The issue in this case is whether a deceased child, reared by plaintiff Marvin Hayes as his own although not related to him by blood, marriage, or formal adoption, was covered under the uninsured motorist provisions of two automobile insurance policies issued by the defendant, American Standard Insurance Company of Wisconsin, to Marvin. The trial court found there was coverage, and American Standard appeals. We conclude that the child is Marvin’s “foster child” and the policies provide coverage. We affirm. FACTS The record supports the following facts as found by the trial court.

On October 31, 1987, 13-year-old Elizabeth Sharp was fatally injured in an automobile accident which occurred as she was a passenger in an uninsured motor vehicle. At the time of her death, Elizabeth lived with her natural mother, Kathryn Sharp, and Marvin in the same household. Although Marvin and Kathryn had cohabited since February or March 1977, they never married. Elizabeth was not related by blood or marriage to Marvin, nor had Marvin adopted Elizabeth or been appointed her guardian or curator.

However, Marvin participated in parental decisions and functioned as a parent of Elizabeth while she lived in his home; he disciplined her, cared for her, nurtured her, and participated in recreational events with her. Marvin thought of Elizabeth as his daughter and referred to her as such. In turn, Elizabeth called Marvin “Father” or “Daddy” and treated him as her father.

Marvin was listed as “guardian” on one of Elizabeth’s school records, and on one of her hospital records he was identified as her “stepfather.” After Marvin and Kathryn began living together, they deposited all money they received into a bank account bearing both their names, and they paid all their bills from that account.

Deposits into the account consisted of the monthly VA benefit ($156) and Social Security check ($153) received by Kathryn as her separate entitlement, the checks received monthly by Kathryn for Elizabeth’s benefit ($78 VA; $153 Social Security), and Marvin’s salary from employment at a sawmill ($160 a week). Some of Marvin’s earnings were used to support Elizabeth, because the money received by Kathryn and Elizabeth was not sufficient to pay all their living expenses. On his state and federal income tax returns for 1979-1986, Marvin listed Elizabeth as a dependent.

When Marvin applied to American Standard for insurance, he listed Elizabeth in the

section designated “nondriving children under age 16 residing with applicant.” American Standard issued policies on two vehicles to Marvin. Each policy provided uninsured motorist coverage; the uninsured motorist

section of the policies defined “insured person” to include “a relative,” and each policy defined “relative” as “a person living in your household, related to you by blood, marriage or adoption. This includes a ward or foster child. It excludes any person who, or whose spouse, owns a car.” Marvin and Kathryn sued American Standard for the wrongful death of Elizabeth and for additional damages under the uninsured motorist provisions of the policies issued to Marvin. By a counterclaim, American Standard sought a declaratory judgment that Elizabeth was not insured under the policies’ uninsured motorist provisions.

Trial was held on American Standard’s counterclaim. Relying on Busby v.

Ranger Insurance Company, 708 S.W.2d 795 (Mo.App.1986), the trial court concluded that Elizabeth was “a defacto foster child of Marvin Hayes and as a matter of law was a ‘foster child’ as included in the definition of ‘relative’ defined in [the] policies ... and therefore was an insured....” The parties subsequently agreed to entry of a consent judgment whereby Marvin dismissed his petition and American Standard agreed to pay Kathryn $45,000 in the event the issue of coverage for Elizabeth under Marvin’s policies was ultimately decided against American Standard. American Standard then brought this appeal.

DISCUSSION AND DECISION American Standard presents two points relied on under which it argues Busby should be limited to its facts or should not be followed. We will discuss the points on appeal together after we examine Busby in detail. In an equitable garnishment proceeding, the trial court in Busby awarded the parents of Christine Busby, who was killed in an automobile accident, the proceeds of an insurance policy issued by Ranger Insurance to Willard and Celestine Barebo, alleged foster parents of Thomas Barebo, the driver of the automobile.

The issue on appeal was whether Thomas was a ward and/or a foster child of the Barebos. 708 S.W.2d at 795. Coverage under the policy issued to the Barebos by Ranger was afforded to “ ‘any covered person,’ ” a term defined/ in part, as “ ‘any family member.’ ” “Family member,” in turn, was defined as “ ‘a person related to you by blood, marriage or adoption who is a resident of your household. This includes a ward or foster child.’ ” 708 S.W.2d at 796. The Busby opinion describes the relationship between Willard and Celestine Barebo and Thomas Barebo: Thomas Barebo was not the natural son of the Barebos.

He was born on September 22, 1956, to Helen Strickwer-da and Francis Callaghan, and was named Thomas Callaghan. He came to the Barebos on October 1, 1956, when he was 13 days old. While they never legally adopted him, Thomas was referred to and raised by the Barebos as their son. He was baptized Thomas Barebo, and enrolled in school under that name. Thomas himself used the name Thomas Barebo in all transactions, and throughout his life, and referred to the Barebos as his mother and father.

He was living with the Barebos on the date of the accident, having moved back to their home two weeks prior to the accident. 708 S.W.2d at 795-96. Ranger argued that Thomas was not a “family member,” and, therefore, was not covered by the policy. The court disagreed. While Thomas cannot be considered a natural or adopted member of the Bare-bo family, the definition of “family member” contained in the insurance policy is not so limited. Coverage is expressly extended to “foster children” and “wards” and is not expressly limited to those situations where this status is conferred by legal appointment or placement.

Thomas was raised by the Bare-bos as their son even though he was not their natural child. He obviously meets the definition of a foster child of the Barebos. See Webster’s Third New International Dictionary 876 (1976). As a de facto foster child, he was covered by the policy. See Hartman v. Insurance of North American, 106 Mich.App. 731, 308 N.W.2d 625, 628-29 (1981); James by Robertson v. Allstate Insurance Co., 201 N.J.Super. 299, 493 A.2d 28, 30-31 (N.J.Super.A.D., 1985); Brokenbaugh v.

New Jersey Manufacturer Insurance Co., 158 N.J.Super. 424, 386 A.2d 433, 434-37 (N.J.Super.A.D., 1978) [96 A.L.R.3d 793 (1980) ]; Cobb v. State Security Insurance Co., 576 S.W.2d 726, 728, 737 (Mo.banc 1979). Busby, 708 S.W.2d at 796. To determine that Thomas Barebo was a family member and, therefore, covered by the insurance policy, the Busby court relied on a definition of foster child drawn from Webster’s Third New International Dictionary (1976).

That dictionary defines foster as follows: “foster ... (as first constituent in such terms as ... foster mother, _foster child) ...: affording, receiving, or sharing nourishment, upbringing, or parental care though not related by blood or legal ties: as ... brought up by someone other than one’s natural parent....” Id. at 897.

In its challenge to the applicability of Busby to this case, American Standard argues that foster child has “a clear and settled meaning in the law and ... [is] not ambiguous.” As examples of the “clear and settled meaning in the law” of foster child, American Standard points to various sections of RSMo chapters 208, 210, and 211 that refer to foster children, foster parents, and foster homes, and to various

definitions drawn from Black’s Law Dictionary, American Jurisprudence 2d, and American Law Reports. We disagree with American Standard’s assertion that foster child is not ambiguous as it is used in the policies issued to Marvin. In Krombach v. Mayflower Ins. Co., 827 S.W.2d 208 (Mo.banc 1992), the court set out these principles concerning the question of whether an ambiguity exists in an insurance policy: An ambiguity arises when there is duplicity, indistinctness, or uncertainty in the meaning of words used in the contract.

Language is ambiguous if it is reasonably open to different constructions^] and the language used will be viewed in the meaning that would ordinarily be understood by the layman who bought and paid for the policy. Id. at 210[2] (citations omitted). In Busby, coverage under the policy was “not expressly limited to those situations where [foster children] status is conferred by legal appointment or placement.” 708 S.W.2d at 796. Likewise, the policies issued to Marvin do not circumscribe the meaning of foster child.

Thus, the term foster child in the policies is “reasonably open to different constructions,” namely the construction urged by American Standard and the broader meaning ascribed to the term by the Busby court and applied in this case by the trial court. Therefore, we view the term as it would “ordinarily be understood by the layman who bought and paid for the policy.” Krombach, 827 S.W.2d at 210[2]. For a layperson’s understanding of a term, it is appropriate for us to consult a general dictionary of the English language. See, e.g., Kuyper v. Stone County Comm’n, 838 S.W.2d 436, 437-38 (Mo.banc 1992); Buechner v.

Bond, 650 S.W.2d 611, 613[4] (Mo.banc 1983). We hold that the term foster child would ordinarily be understood by a layperson to mean what the above-quoted definition from Webster’s Third New International Dictionary says it means. In light of the above-quoted definition of foster child and the record before us, we conclude that the trial court correctly determined that Elizabeth was Marvin’s foster child. Although unrelated to Elizabeth by blood or legal ties, Marvin afforded and shared in her nourishment, upbringing, and parental care.

It is of no consequence that Marvin was not the sole source of Elizabeth’s economic support. It is enough that he shared in that support. The fact that Kathryn and Marvin were not married, whereas the foster parents in Busby were married, is of no consequence. “[T]he only pertinent inquiry is into the relationship between the named insured and the child.” Joseph v. Utah Home Fire Ins. Co., 313 Or. 323, 835 P.2d 885, 889 (banc 1992).

Upon making that inquiry, we find ample evidence to support the trial court’s finding that a “foster” relationship, as described in Busby and defined in Webster’s Third New International Dictionary, existed between Marvin and Elizabeth. American Standard argues that any foray into the meaning of foster child is inappropriate where, as here, the question involved is “whether or not a person comes within the definition of an ‘insured’ within the policy....

It is only after one has been determined to be an ‘insured’ that any ambiguous words or policies are to be construed against the ‘insurer.’ ” For this argument, American Standard relies on Brown v. Shield Fire Ins. Co., 260 S.W.2d 337 (Mo.App.1953); 44 C.J.S. Insurance § 308 (1945); and 43 Am.Jur.2d Insurance § 285 (1982).

American Jurisprudence 2d states the principle thus: The general rule that doubtful language contained in an insurance policy is to be construed in favor of the insured and against the insurer, operates only after the insured has been determined and not in deciding whether a certain individual belongs to the insured class described in the policy.... Id. at 362. We reject American Standard’s argument for several reasons. First, we find no opinion of a Missouri appellate court that embraces the above-quoted “rule” as formulated in the encyclopedias, although in American Standard’s case of Brown v. Shield Fire Ins.

Co., the court of appeals appears to have engaged in the process described in the “rule” in that it determined as a matter of law (and with no citation to authority) that the word family as used in a fire insurance policy “must have meant persons of the insured’s household bearing some kinship to her.” 260 5.W.2d at 338. We note, however, that the Brown court, in determining the meaning of family, pointed out that “[n]o case has been called to our attention where a meretricious relationship has been graced by the name of ‘family’_” Id.

In the case before us, Busby was called to the attention of the trial court, so arguably the trial court followed the procedure of the “rule” asserted by American Standard to reach the conclusion American Standard now challenges. We also question the present vitality of the Brown court’s restricted definition of family and its method of arriving at that definition. See, e.g., Mission Ins. Co. v. Ward, 487 S.W.2d 449, 451 (Mo.banc 1972), and Giokaris v.

Kincaid, 331 S.W.2d 633, 640 (Mo.1960), eases in which our supreme court consulted not only case law but also dictionaries to arrive at a different meaning of family. Second, if the “rule” were adopted in Missouri, we believe it illogical to apply it to a situation where the identity of an insured cannot be determined without first resolving the ambiguity. Third, the “rule,” applicable to Missouri or not, appears satisfied in the case before us. The policies issued to.

Marvin define insured person to include a “relative,” a term that includes a “foster child.” Thus it can be determined from the policy definition of insured person that any foster child of Marvin is an insured person under the policies. Under the “rule,” this determination would make it appropriate to resolve the ambiguous meaning of the term foster child. The use of a dictionary definition of foster child is by no means novel. For example in Brokenbaugh, 386 A.2d 433, the question presented was whether there was coverage for a child the insured had reared.

As here, the child was the daughter of a woman with whom the insured cohabited but had not married. The policy provisions, similar to those in this case, had been approved by the state insurance commissioner. The trial court found that the child was the insured’s “foster” daughter and, thus, a “family member”; the appellate court affirmed. After setting out dictionary

definitions of “foster child,” the appellate court concluded: By using the term ... “foster child,” the Commissioner indicates that family shall include those who live within the domestic circle of, and are economically dependent on, the named insured. Brokenbaugh, 386 A.2d at 436. Other courts have adopted

definitions of foster child similar to those found in Busby and in Brokenbaugh. For example, in Joseph, 835 P.2d 885, a child received serious injuries when struck by an uninsured motor vehicle. At the time of the accident the child and her biological mother were cohabiting with an insured to whom the mother was not married. The insured had reared the child from the time she was five months old, and he was the only “father” she had known.

Under the policy language the child was covered if she was a “foster child.” The Supreme Court of Oregon found there was coverage, stating, “In the common understanding, the defining relationship is one of nurturing, supporting, rearing — one of fostering — and not necessarily a ‘legal relationship.’ ” Id. at 888.

In answer to the insurance company’s argument that the child was “not a ‘foster child,’ because her mother also lives in the household, whereas a foster child is one reared exclusively by non-biological parents,” the Joseph court said: Again, the common understanding [of “foster child”] is not so limited.... [T]he only pertinent inquiry is into the relationship between the named insured and the child. The relevant provisions of the policy define covered persons based on a relationship to the named insured because of blood, marriage, adoption, or the status of a ward or foster child. Similarly, the

definitions that we have cited focus on the relationship between the child and the person who performs the duties of a parent by rearing the child as his or her own, not the relationship between the child and his or her biological parents. 835 P.2d at 889 (emphasis in original). See also Houston v. National General Ins. Co., 817 F.2d 83, 85-86 (10th Cir.1987) (citing Busby, Brokenbaugh, and Hartman, 308 N.W.2d 625, with approval). American Standard makes additional arguments that do not require extended discussion.

First, American Standard identifies numerous additional factual differences between Busby and the case before us. We see no legal significance to the additional factual distinctions American Standard has identified. Second, American Standard discusses at some length the Busby court’s use of the term de facto foster child. We do not read Busby to create a separate category of foster child.

Rather, we understand the Busby court’s use of de facto to be nothing more than an indication that the court concluded Thomas Barebo was a foster child in the common parlance, rather than having had that status conferred on him by legal appointment or placement. In light of our holding that the term foster child as used in the policies issued to Marvin is ambiguous and that the meaning of that term as it ordinarily would be understood by a layperson would apply to Elizabeth, we consider the use of de facto by the trial court to be surplusage.

Third, American Standard argues that Busby should not be followed because the insurance policy in it used the term family member, whereas the policies issued to Marvin use the term relative. American Standard cites numerous cases for the proposition that relative is a more restrictive term than is family member. We observe that the definition of family member in the policy in Busby and the definition of relative in the policies in the instant case are virtually identical and each affords coverage for a “foster child.” We reject American Standard’s argument. We affirm. PARRISH, C.J., concurs in result; dissents in

part in separate opinion. CROW, P.J., concurs. . For convenience, we refer to the plaintiffs by their first names. . Elizabeth's biological father, Jerry Sharp, died in February 1977. Despite her references to Marvin as her father, Elizabeth continued to use the name Sharp for all purposes, including school enrollment. . On April 3, 1982, Marvin filed an amended federal tax return in which he explained the reason for amending as follows: "Amending to file as head of the household for child who I treat as my own who lives with me all year and has for 5 years. I should have showed her on line 6(

c) instead of 6(d).” . The Busby opinion cites to page 876 of Webster’s Third New International Dictionary (1976). We find the page number to be 897. . We offer no opinion concerning the public policy implications of such a restricted definition in an insurance policy. . In Brokenbaugh, coverage was extended to "The named insured or any relative of the named insured * * * 'Relative ’ means a person related to the named insured by blood, marriage or adoption (including a ward or foster child) who is a resident of the same household as the named insured." 386 A.2d at 435 (emphasis in insurance policy.) . In Joseph the uninsured motorist

section of the policy provided that a "covered person” was the named insured plus any "family member.” The policy’s general definition

section defined "family member” as '"a person related to you by blood, marriage or adoption who is a resident of your household. This includes a ward or foster child.'" 835 P.2d at 886. . Various dictionary

definitions of "fostei1’ and “foster child ” are reported in Joseph, 835 P.2d at 887-88.