individually v. Lm General Insurance ) Company

NOT FOR PUBLICATION
UNITED STATES COURT OF APPEALS
FOR THE NINTH CIRCUIT
CLARA ANN KNIGHT, ) No. 18-15154
individually and as heir at law to )
Logan Loraine Knight, deceased; ) D.C. No. 3:17-cv-00125-HDM-VPC
RACHEL WILSON, heir at law to )
Logan Loraine Knight, deceased; ) MEMORANDUM*
THE ESTATE OF LOGAN )
LORAINE KNIGHT, )
)
Plaintiffs-Appellees, )
)
)
v. )
)
LM GENERAL INSURANCE )
COMPANY, )
)
Defendant-Appellant. )
)
Appeal from the United States District Court
for the District of Nevada
Howard D. McKibben, District Judge, Presiding
Submitted April 16, 2019**
San Francisco, California
FILED
MAY 09 2019
MOLLY C. DWYER, CLERK
U.S. COURT OF APPEALS
*This disposition is not appropriate for publication and is not precedent
except as provided by 9th Cir. R. 36-3.
**The panel unanimously finds this case suitable for decision without oral
argument. Fed. R. App. P. 34(a)(2).

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Before: D.W. NELSON, FERNANDEZ, and BEA, Circuit Judges.
LM General Insurance Company (LM General) appeals the district court’s
judgment in favor of Clara Ann Knight, Rachel Wilson, and the Estate of Logan
Loraine Knight (hereafter collectively “Knight”). We affirm.
In an action for declaratory relief, Knight sought a determination that a
vehicle driven by Paul S. Williams was not excluded from coverage under the
“regular use” provision of an automobile insurance policy issued by LM General in
which Paul S. Williams and Brenda A. Cormier Williams were the named insureds.
LM General asserts that the exclusion of any vehicle, other than those listed
as “covered vehicles,” which is “furnished or available for [the insureds’] regular
use” precludes coverage in this instance. We disagree. Under the law of the State
of Nevada1 the most that can be said in favor of LM General’s position is that the
regular use provision is ambiguous. It could mean that the policy excludes any use
that is merely “constant, systematic . . . steady, methodical,”2 or it could mean a
use that is “uninterrupted normal use for all purposes; without limitation as to use;
1This is a diversity case. See 28 U.S.C. § 1332(a). We, therefore, apply the
law of the State of Nevada. See Erie R.R. Co. v. Tompkins, 304 U.S. 64, 78, 58 S.
Ct. 817, 822, 82 L. Ed. 1188 (1938).
2Hartford Ins. Grp. v. Winkler, 508 P.2d 8, 13 (Nev. 1973) (internal
quotation marks omitted) (citing a dictionary).
2

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and customary use as opposed to occasional use or special use.”3 Of course, that
does not help LM General’s position because under Nevada law a reasonable
insured4 could expect coverage of an automobile whose use is severely limited to
the needs of an employer and for no other purpose. Certainly it cannot be said that
LM General’s “interpretation excluding coverage is the only reasonable
interpretation of the exclusionary provision.” Century Sur. Co., 329 P.3d at 616.
LM General does make a number of other arguments, all of which seek to avoid
the fact that the Nevada Supreme Court has spoken, but it is to that speaking that
we must defer. See Angel v. Bullington, 330 U.S. 183, 191, 67 S. Ct. 657, 662, 91
L. Ed. 832 (1947); see also Erie, 304 U.S. at 78, 58 S. Ct. at 822. As an ultimate
fallback position, LM General asks that we certify the regular use question to the
Nevada Supreme Court so that it can revisit its previous decision. We decline to
do so. See Churchill v. F/V Fjord (In re McLinn), 744 F.2d 677, 681 (9th Cir.
1984); see also Nev. R. App. P. 5(a).
AFFIRMED.
3Id. (internal quotation marks omitted). We note that it may not be
ambiguous at all because the latter definition can be seen as a definition that is
more precise than the general dictionary definition.
4See, e.g., Century Sur. Co. v. Casino W., Inc., 329 P.3d 614, 616 (Nev.
2014); Winkler, 508 P.2d at 11.
3

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