Nationwide Mutual Insurance Company v. Pamela Riley

OPINION OF THE COURT

AMBRO, Circuit Judge.

Nationwide Mutual Insurance Company (“Nationwide”) filed suit for a declaratory judgment to determine its obligation, if any, to pay underinsured motorist benefits to Pamela Riley under her father’s insurance policy. As we conclude that Nationwide is not so required, we affirm the District Court’s decision to grant summary judgment to Nationwide.

I. Facts and Procedural History

In July 1997 insurance agent P. Kowa-lewski issued Arthur Riley, Pamela Riley’s father, a personal automobile insurance policy with Nationwide that provided un-derinsured motorist…