Patricia Hilson v. GEICO General Insurance Company

We have had the benefit of oral argument in this case, and have carefully reviewed the briefs and the relevant parts of the record. We conclude that the judgment of the district court should be affirmed. We address the several issues raised by the Appellant in turn, but first we sketch very briefly the relevant background. The Hilsons were insured by GEICO (the “Insurance Company” or simply the “Company”). The Hilsons’ sixteen-year old daughter was involved in an automobile accident in which Ms. Johnson was injured. The daughter was at fault. The Insurance Company provided insurance coverage…