Babinski v. American Family Insurance Group

SHEPHERD, Circuit Judge.

Donald Babinski (“Babinski”) filed this diversity action seeking a declaratory judgment that the automobile insurance policy (the “Policy”) he purchased from American Family Insurance Group (“American Family”) provides up to $1,000,000 in liability coverage in a wrongful death suit brought against the estate of his son, John Babinski (“John”), of which Babinski is the personal representative. American Family responded by arguing that the Policy’s household drop-down exclusion limits the liability coverage available in the wrongful death suit to the minimum amount…