A federal judge in Albuquerque has ruled that an insurance policy must cover a $700,000 claim for a severe facial wound suffered by a child bitten by a dog in a parked SUV. The Albuquerque Journal reports that the recent ruling holds State Farm liable for coverage under a policy for uninsured or underinsured motorists. The child was bitten when she tried to hug her teacher's dog. The girl's family sought coverage under their policy after the teacher's insurance paid up to its limits. State Farm argued that its policy covered only injuries arising out of operation of a vehicle, not just its location. District Judge William Johnson ruled that the girl's family was entitled to coverage because her injury arose out of use of a vehicle.