T hi s di s pos i t i on i s notappr opr i a t e f orpubl i c a t i on and i s notpr e c e de nt * e xc e pta s pr ovi de d by9th C i r . R . 36- 3.

T he pa ne l una ni m ous l yc onc l ude s thi s c a s e i s s ui t abl e f orde c i s i on ** w ith o u t o r a l a r g u m e n t. See F ed. R . A pp . P . 34 (a )( 2). NOT F OR P UB L I CAT I ON UN I TE D STATE S C OU RT OF APPE ALS FOR T HE NI NTH CI RC UI T WI L L I AM Mc GR AN N, P la in tif

f - A p p e lla n t, v. F E D E R A L I N S U R A N C E C O M P A N Y , a m em ber of C hu bb G roup of Insurance C o m p an i es, D ef

endant- A pp el l ee . N o. 09- 55007 D. C . No . 8 : 0 7 - c v - 0 0 6 8 5 - AG - RNB ME MOR AN DU M *

A pp ea l fr om the U ni t ed S t at es D i stri ctC ou rt f o rth e C e n tr a l D is tr ic t o f C a lif o rn ia A ndr e w J . G ui l f

or d, D i s tr i c tJ udge , P r e s i di ng S ubm i tt e d D e c e m be r14, 2010 ** B e f o r e : G O O D W I N , W A L L A C E , a n dT H O M A S , C ir c u it J u d g e s . W i l l i am M cG rann appeal s pro se fr om the di stri ctcourt ’ s s um m ary j ud gm enti n h i s di vers i ty a ct i on ar i si ng fr om F eder al Insurance C om pany’ s deni al o f h is d is ab ilityin s u r a n c e c la im . W e h a v e ju r is d ic tio n u n d e r2 8 U .S .C . § 1 2 9 1 . 

# FI LED JAN 07 2 011 M OLLY C. DW Y ER, CLERK U . S. C O U R T OF APPE ALS09- 55007 2 W e r e v ie w d e n o v o , L e arne d v . C i t yof B e l le v ue , 86 0 F . 2d 92 8, 93 1 (9th C i r. 1 9 8 8 ) , a n dw e a f

f i rm. T he di stri ctcourtprop er l y grant ed sum m ary j ud gm enton M cG rann ’ s bre ac h o f co n tractcl ai m b ecau se h e fai l ed t o rai se a tri ab l e i ssu e as t o w h eth er h i s w ri st i nj ur i e s f r om us i ng hi s c om put e rm ous e w e r e the r e s ul tof a n “ a c c i de nt ” a nd th e r e f o r e c o v e r e db yth e in s u r a n c e p o lic y . See W illia m s v . H

a r tfo rd A c c ide n t & I nde m . C o. , 204 C a l . Rptr . 453, 456 ( C t . A pp. 1984) ( r e j e c t i ng a r gum e nttha tthe t e rm “ a c c i de nt , ” f

ori ns ur a nc e c ove r a ge purpos e s , i nc l ude s a n i nj urydue t o a c o m m o n p la c e a c t) ; s e e al s o G i n v . P e nns

y lv ani a L i

f e I ns . C o. , 36 C a l . Rptr . 3d 57 1, 57 4 (C t . A pp . 20 05 ) ( re j ec t i ng ac ci dent al di sabi l i ty c l ai m for c arpal tun nel sy nd rom e bec ause “ a di sabi l i ty thati s the cul m i nat i on of re pet i t i ve stre ss es caused by the i nsured’ s norm al , everydayac t i vi t i es i s notthe re sul tof an ‘ ac ci dent al bo di l y i nj ury’ and there fore do es no tfa l l w i thi n the coverage of the po l i cy ”) . T h e d istrict co u rt p ro p er ly g ra n ted su m m ary ju d g m en t o n M cG ra n n ’s com m on coun t s c l ai m because M cG rann fa i l ed t o rai se a tri abl e i ss ue as t o w hether F e d e r a l I n s u r a n c e C o m p a n yw a s in d e b te dto h im , b e c au s e th e c o m p a n yp r o p e r ly d e n ie dh is in s u r a n c e c la im . Se e Fa rm e rs I n s . E x c h . v . Ze r in , 61 C a l . Rptr . 2d 707, 71 5 (C t . A pp . 19 97 ) ( st at i ng el em ent s of c om m on coun t s c l ai m ).09- 55007 3 T he di s tr i c tc ourtpr ope r l ygr a nt e d s um m a ryj udgm e nton M c G r a nn’ s f r aud c l a i m ba s e d on F e de r a l I ns ur a nc e C om pa ny ’ s a l l e ge d or a l m i s r e pr e s e nt a t i on b e c au s e M c G r a n n f

a ile dto r a is e atr iab le is s u e a s to w h e th e rh e w a s ju s tif ie din b e lie v in g th a t h e h a dp u r c h a s e da n in s u r a n c e p o lic yg u a r a n te e in g h im a$ 1 .5 m illio n p a y m e n t. See L a za r v. Su p eri o r C o u rt , 909 P . 3d 981, 984 ( C a l . 1996) (f raud cl ai m re qu i re s “

j ust i fi abl e r el i ance ”) . W e do notc ons i de rM c G r a nn’ s c ont e nt i ons r a i s e d f orthe f i r s tt i m e on ap p e a l. Se e T

r av e le rs P r op. Cas . C o. of A m . v . C onoc oP hi l l i

ps C o. , 546 F . 3d 11 42 , 11 46 (9th C i r. 20 08 ). M cG rann ’ s r em ai ni ng cont ent i on s are un pers uasi ve. W e d en y M cG ran n ’ s req u estfo r san ct i o n s. A F F I R M E D .