Jim and his family live in Arkansas, but have decided to take a trip to the Eastern Shore of Maryland for their family vacation. While driving back home, Jim is looking at vacation pictures on his cell phone and fails to see that the car in front of him has come to a stop. Jim rear-ends the car, causing injuries to Jim and his family. After all the initial “dust” has settled, Jim decides that he wants to make a claim for both his and his family’s injuries under his liability insurance within his auto policy. Click here to read more about Jim's dealings with "Household Exclusions."