Lemong Gates and Bill Gates v. Nancy A. Claret, State Farm Mutual Automobile Insurance Co.

POLITZ, Circuit Judge:

Lemong and Bill Gates appeal the district court’s entry of summary judgment dismissing their claim against their own underinsured motorist carrier on the grounds that the Gateses breached the terms of the policy and violated Florida law by settling with the tortfeasor without their insurer’s approval. Arguing that Louisiana law applies, the Gateses appeal. Finding no error, we affirm.

Background

The conflicts of law issue framed in this case arises in the context of an automobile accident between Florida and Louisiana domiciliaries. Louisiana resident Nancy Claret…