Scott Rankin v. Farmers Elevator Mutual Insurance Company

JONES, Circuit Judge:

The appellee, Farmers Elevator Mutual Insurance Company, issued to the appellant, Scott Rankin, a policy of “family” insurance which provided, among other things, for automobile liability coverage. The policy expressly excluded liability for “bodily injury or property damage caused intentionally by or at the direction of the insured.” The litigation from which this appeal arose was commenced with a complaint filed by Farmers Elevator seeking a declaratory judgment against its insured Rankin that it had no liability for injuries sustained by twenty-year old James Kon-rade,…