American Family Mutual Ins. v. John Martin Donaldson

BYE, Circuit Judge.

American Family Mutual Insurance Company (American Family) brought this declaratory judgment action to determine whether an umbrella insurance’ policy it issued to Todd Patton provided any coverage for an automobile accident in which a passenger in a vehicle driven by Todd’s son, Jacob Patton, was seriously injured. The district court 1 granted summary judgment in favor of American Family after concluding the umbrella policy did not provide coverage. We affirm.

I

In April 2011, Jacob Patton obtained his driver’s license. He was eighteen years old at the time. About one week…