Nodak Mutual Insurance Co. v. Bahr-Renner

SANDSTROM, Justice.

[If 1] Eric Bahr-Renner, Sara Daede, Ashley Collins, J.C. (a minor), Emily Young, and Kenneth McCoy (collectively “claimants”) appeal from a judgment that only the lower, “step-down” policy limits in an automobile insurance policy were available for their damages sustained in an automobile accident. We affirm, concluding the district court’s finding of fact that Mary Gwyther was not a resident of her mother’s household was not clearly erroneous and the step-down endorsement to the insurance policy did not violate North Dakota law.

I

[¶ 2] On January 14, 2010, Mary Gwyther was…