Brooksby v. Geico General Insurance

W. JONES, Justice.

I.Nature of the Case

Christina Brooksby (“Brooksby”) demanded payment from GEICO General Insurance Company (“GEICO”), the liability insurer of her father, Craig Brooksby (“Father”), alleging that Father negligently injured her by crashing the car in which she was riding. After GEICO refused Brooksby’s demand pursuant to an exclusion in its insurance policy with Father, Brooksby sued GEICO for a declaratory judgment establishing coverage. The district court dismissed Brooks-by’s Complaint for lack of standing, holding that (1) Idaho has no common-law direct-action rule that…