Insurance – ATV Accident; Farm Policy; ‘Express Permission’

Where an insurer challenged a district court determination that its farm policy provided coverage for an ATV accident in which a young girl was killed, summary judgment for the insured family is affirmed because the policy’s exclusion required that the ATV was operated with the express permission of a named insured, and although the insured individuals tacitly approved the use, they did not do so expressly. Judgment is affirmed.

14-2933 Grinnell Mutual Reinsurance Company v. Villanueva, appealed from the District of Minnesota, Bye, J.