A teenager who did not “regularly live” with her father was not covered by his Nationwide automobile insurance policy, and the company therefore does not have a duty to defend or indemnify her in a lawsuit, a federal judge has ruled.

Eastern District Judge William H. Yohn ruled after a bench trial that Heidi Krause was not a “relative” to her father Stephen Krause as the term is defined in his Nationwide Mutual Insurance Co. policy.