Smith v. Cincinnati Insurance Co.

OPINION

NAJAM, Judge.

STATEMENT OF THE CASE

Natalie Deem filed a complaint for damages against Courtney Smith, who was driving Deem's car in which Deem was a passenger when both parties were involved in a single-car accident. Smith, in turn, filed a declaratory judgment action against Deem's insurer, Cincinnati Insurance Company ("Cincinnati Insurance"), seeking a determination whether Smith was covered under Deem's insurance policy. After a bench trial, the court concluded that Smith was not entitled to liability coverage under the policy. Smith appeals from that judgment.

We affirm.

FACTS AND…