Reid v. American Premier

IN THE UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT ________________________ No. 97-60853 Summary Calendar ________________________ TAWANATHA REID Plaintiff-Appellant, v. AMERICAN PREMIER INSURANCE COMPANY Defendant-Appellee ________________________ No. 98-60072 Summary Calendar ________________________ AMERICAN PREMIER INSURANCE COMPANY Plaintiff - Counter Defendant - Appellee v. TAWANATHA REID; BRADLEY REID Defendant - Counter Claimant - Appellant and BRADIE REID, a minor by and through Bradley Reid, the natural father Defendant - Appellant _________________________________________________________________ Appeal from the United States District Court for the Southern District of Mississippi (2:97-CV-98-PG & 2:97-CV-261-P-G) _________________________________________________________________ September 14, 1998 Before EMILIO M. GARZA, DeMOSS, and BENAVIDES, Circuit Judges. PER CURIAM:* The appellants, Tawanatha Reid, Bradley Reid, and Bradie Reid, appeal from two adverse judgments, one dismissing a claim of bad faith and the other granting a motion for final summary judgment on a declaratory action, both in favor of American Premier Insurance Company. On appeal the appellants challenge, as they did before the district court, the legality under Mississippi law of a clause excluding liability coverage as to family members in an automobile insurance policy issued to the Reids by American Premier. They argue that the clause was abrogated by both the Mississippi Supreme Court’s decision in Glaskox v. Glaskox, 614 So.2d 906 (Miss. 1992) and by § 63-15- 43(3) of the Mississippi Safety Responsibility Act. In addition, the appellants move to certify the question of the validity of the exclusionary clause to the Supreme Court of Mississippi. That motion is denied. We find the appellants’ arguments to be without merit. The Supreme Court of Mississippi upheld a similar exclusionary clause in Thompson v. Mississippi Farm Bureau Mut. Ins. Co., 602 So.2d 855 (Miss. 1992). While the court did subsequently abolish parental immunity in Glaskox, see Glaskox, 614 So.2d at 912, that decision did not speak to the validity of an exclusionary rule in an automobile liability insurance policy and therefore did not overrule Thompson. The appellants’ second argument is also * Pursuant to 5TH CIR. R. 47.5, the Court has determined that this opinion should not be published and is not precedent except under the limited circumstances set forth in 5TH CIR. R. 47.5.4. 2 without merit since the Supreme Court of Mississippi’s decision in State Farm Mut. Automobile Ins. Co. v. Mettetal, 534 So.2d 189 (Miss. 1988), plainly indicates that the Reid’s insurance policy was not governed by § 63-15-43(3) of the Mississippi Safety Responsibility Act. After a consideration of the appellants’ arguments, the entire record, and a de novo review of the legal findings of the district court, the judgments below are AFFIRMED for these reasons, which are essentially the same as provided by the district court in its Memorandum Opinion and Order, dated December 16, 1997. AFFIRMED. 3