*This order and judgment is not binding precedent except under the doctrines of

law of the case, res judicataand collateral estoppel. The court generally disfavors the citation of orders and judgments; nevertheless, an order and judgment may be cited under the terms and conditions of 10th Cir. R. 36.3.

**After examining the briefs and appellate record, this panel has determined unanimously that oral argument would not materially assist the determination of this appeal. SeeFed. R. App. P. 34(a)(2); 10th Cir. R. 34.1(G). The case is therefore ordered submitted without oral argument. 

## F I L E D United States Court of Appeals Tenth Circuit 

### AUG 12 2003 

### PATRICK FISHER Clerk UNITED STATES COURT OF APPEALS

TENTH CIRCUIT

SAFECO INSURANCE COMPANY OF AMERICA, Plaintiff-Appellee,
v. KATIE MARES, Defendant - Cross-Claimant - Appellant, MARIE SALAS, individually and as personal representative of the Estate of Margarito Montoya, Defendant - Cross-Defendant. No. 02-2164 (D. N.M.) (D.Ct. No. CIV. 01-0960-PJK/RLP)

ORDER AND JUDGMENT *
Submitted on the briefs. **1 While this appeal was pending, the preliminary record before us revealed certain

claims remained unresolved in the district court and its decision was therefore not a final appealable decision. We issued a show cause order directing the parties to secure from the district court an order “either granting certification under Fed. R. Civ. P. 54(b) as to the order appealed or explicitly adjudicating all remaining claims” (emphasis omitted). The district court subsequently granted a “Fed. R. Civ. P. 54(b) certification of [its] Memorandum Opinion and Order and resulting Declaratory Judgment.” As mentioned above, we conclude we may now properly exercise jurisdiction under 28 U.S.C. § 1291.
-2- Emily A. Franke, and James H. Johansen of Butt Thor nton & Baehr PC, Albuquerque, New Mexico, for Plaintiff-Appellee. Ron Morgan, and Mark Goodman, of Morgan Law Office, Limited, Albuquerque, New Mexico, for Defendant - Cross-Claimant - Appell ant.
Before HENRY and McKAY , Circuit Judges, and BRORBY , Senior Circuit Judge. Katie Mares appeals a district court’s grant of sum mary judgment against her and its resulting declaratory judgment. Exerci sing jurisdiction under 28 U.S.C. § 1291, we affirm. 1
I. Background The facts giving rise to this suit are simple and u ncontested. Mr. Margarito Montoya, a minor, attended a birthday party at Ms. Mares’ home. During the course of the party, Mr. Montoya took Ms . Mares’ all-terrain vehicle from her home and drove it off the premises. While he was away from the-3-

premises, he was involved in an accident with the a ll-terrain vehicle that resulted in his death.
Marie Salas, individually and as personal represent ative of Mr. Montoya’s estate, commenced an action for negligence against Ms. Mares in a New Mexico district court. Safeco Insurance Company of Americ a, the carrier of Ms. Mares’ homeowners insurance policy, began defending Ms. Mares in this action under a reservation of rights. Safeco then filed this decl aratory judgment action in the United States District Court for the District of Ne w Mexico, asking for a declaratory judgment that it “does not owe a duty t o defend or indemnify [Ms.] Mares because the acts alleged in the ... lawsuit [ in state court] are not covered by the policy in question.”
Ms. Mares moved to dismiss the declaratory judgmentaction under Rules 12(b)(6) and 12(c) of the Federal Rules of Civil Pr ocedure. The district court denied the motion. The parties subsequently filed cross-motions for summary judgment. The district court granted Safeco’s moti on and denied Ms. Mares’ motion. The court entered a declaratory judgment i n favor of Safeco, stating Safeco “has no duty to defend or indemnify its name d insured, [Ms.] Mares, under [her] homeowners policy ... in connection wit h the lawsuit [in state court].”-4-

Ms. Mares appeals.

DISCUSSION On appeal, Ms. Mares argues (1) her homeowners insu rance policy grants coverage for her negligent conduct alleged in the s tate court lawsuit; (2) there are genuine issues of material fact that preclude summary judgment; and (3) “the district court’s exercise of jurisdiction in place of the original State court proceeding was unnecessary and best reconsidered.”

A. Jurisdiction As an initial matter, we reject Ms. Mares’ argumentthat the district court erred in denying her request it “decline jurisdicti on and defer to the pending state court action for the resolution of these [insurance ] coverage questions.” Ms. Mares believes “comity and other related issues ... advise against this matter being heard in a forum separate from the underlying state court.” She is also concerned Safeco “will undoubtedly attempt to use i ts declaratory judgment to avoid responsibility under its policy, regardless o f any findings made in the state court action, thus setting up a conflict between th e two rulings.” We review the district court’s decision to exercise jurisdiction over a declaratory judgment action for an abuse of discretion. See Kunkel v. Continental Cas. Co. , 866 F.2d-5-

1269, 1273 (10th Cir. 1989).
The district court, in arriving at its decision, ev aluated the factors adopted by the Supreme Court in Brillhart v. Excess Insurance Co. of America , 316 U.S. 491 (1942), and by this court in State Farm Fire & Casualty Co. v Mhoon , 31 F. 3d 979 (10th Cir. 1994). We need not repeat the di strict court’s evaluation as it is clearly set forth in its order denying Ms. Mares ’ motion to dismiss or for judgment on the pleadings. There exists no error i n this evaluation. We conclude the district court did not abuse its discr etion in exercising jurisdiction.
B. Insurance Coverage Ms. Mares next argues her homeowners insurance poli cy covers the negligence lawsuit in state court. In order to add ress the merit of this argument, we review the relevant language in Ms. Mares’ homeo wners policy.
The homeowners insurance policy in this case obligates Safeco to pay damages “for which the insured is legally liable” a nd “provide [the insured with] a defense at [Safeco’s] expense” in the event “a su it is brought against [the] insured for damages because of bodily injury or pro perty damage caused by an occurrence to which th[e] coverage applies.” An oc currence is “an accident,-6-

including exposure to conditions which resulted in ... bodily injury ... or ... property damage.”
The policy specifically excludes coverage for bodil y injury and property damage “arising out of the ownership, maintenance, use, loading or unloading of ... motorized land vehicles ... owned or operated b y or rented or loaned to [the] insured.” There is an exception to this exclusion, however, covering “a motorized land vehicle designed for recreational use off publ ic roads, not subject to motor vehicle registration, licensing or permits and ... owned by [the] insured, while on an insured location.” An “insured location” in rel evant part is “the residence premises” and “that part of any other premises, oth er structures and grounds, used by [the insured] as a residence.” If a motorized l and vehicle is not covered under the policy language above, the insurance policy exc ludes coverage for bodily injury and property damage “arising out of: (1) th e entrustment by any insured to any person; (2) the supervision by any insured of any person; [or] (3) any act, decision or omission by any insured ... with regard to [the] ... motorized land vehicle.” Neither party contests an all-terrain ve hicle is “a motorized land vehicle.”
Ms. Mares believes she is covered under this policy because she “allegedly-7-

exposed [Mr. Montoya] to the [all-terrain vehicle] at her home, i.e. , ‘while on an insured location.’” She made a similar argument be fore the district court. The district court rejected the argument on summary jud gment, concluding “whether the accident occurred on an insured location” “mustbe determined at the time of the accident .” Since the accident in this case occurred away f rom the insured location, the court held “the theories of liabilityadvanced in the underlying [state court] lawsuit, to the extent they result in occurr ences, are addressed by this policy and coverage is excluded.”
We review the district court's grant of summary jud gment de novo, applying the same standard as the district court. Byers v. City of Albuquerque, 150 F.3d 1271, 1274 (10th Cir. 1998). Summary judgment is p roper “if the pleadings, depositions, answers to interrogatories, and admiss ions on file, together with the affidavits, if any, show that there is no genuine i ssue as to any material fact and that the moving party is entitled to a judgment as a matter of law.” Fed. R. Civ. P. 56(c).
After reviewing the insurance policy and Ms. Mares’ argument, we conclude the district court correctly held the poli cy did not provide coverage in this case. The parties agree the accident did not occur “while on an insured-8-

location.” There is no liability coverage for an a ll-terrain vehicle operated off the insured premises. Although Ms. Mares’ alleged negligence may have occurred at her home, coverage explicitly turns on the “accident” (which includes an “exposure to conditions”) that directly resulted in “bodily injury.” It does not turn on the alleged acts that might have proximatel y caused the injury. In this case, the “accident” occurred away from an insured location, and, therefore, the policy did not provide coverage. The language and meaning of the policy could not be more clear.
Ms. Mares claims this interpretation creates an “ir reconcilable conflict” in the policy because it grants coverage for her negli gence while the all-terrain vehicle is on the premises but revokes coverage forher negligence “from the point in time when the [all-terrain vehicle] leaves the insured location.” We see no “irreconcilable conflict” between the exclusiona ry clause and the insuring clause. “The fact that a particular policy contain s a broad coverage provision followed by a specific coverage exclusion does not automatically render the policy ambiguous or invalidate the exclusion.” New Mexico Physicians Mut. Liab. Co. v. LaMure , 860 P.2d 734, 737 (N.M. 1993). The policy langua ge in this case unambiguously denies coverage for “bodily inju ry or property damage ... arising out of the ownership ... [or] use ... of .. . motorized land vehicles” unless2Ms. Mares cites two cases from other jurisdictions as supporting her contention

the phrase “‘while on an insured location’ is in fact subject to more than one interpretation.” See United Servs. Auto Ass’n v. Vogel, 733 So.2d 401 (Ala. Civ. App. 1998); Meister v. Utica Mut. Ins. Co. , 573 So.2d 128 (Fla. Dist. Ct. App. 1991) (per curiam). We are not persuaded. These cases involve different policies with different policy language.
-9- the vehicle is “owned by any insured” and the injury or damage occurs “while on an insured location.” While the exclusion in this case may deny coverage in certain circumstances, it “is not so broad or nebul ous that it swallows and effectively nullifies a broad insuring clause.” Id
.
Ms. Mares also argues that New Mexico public policyon insurance law supports her construction of the insurance policy l anguage. She claims “ambiguity exists” in the insurance policy and publ ic policy requires us to narrowly construe the exclusionary clause “with the reasonable expectations of the insured ... as the basis for [our] analysis.” See Knowles v. United Servs. Auto. Ass’n , 832 P.2d 394, 396 (N.M. 1992). Ms. Mares, howeve r, attempts to fashion ambiguity from the policy language where none exist s. 2 For this reason, her argument must fail. See King v. Travelers Ins. Co. , 505 P.2d 1226, 1231 (N.M. 1973) (“Where there is no ambiguity the court must construe the language of a policy in accordance with the plain, ordinary meani ng of its terms.” (Quotation marks and citation omitted.))-10-

In sum, we conclude the district court correctly in terpreted the insurance policy language in this case. We agree with the di strict court that “the theories of liability advanced in the underlying [state court] lawsuit, to the extent they result in occurrences, are addressed by this policy and co verage is excluded.”

C. Genuine Issues of Material Fact Finally, Ms. Mares argues there exist “genuine issu es of material fact and inadequate discovery concerning the coverage disput e,” either of which operates to defeat the summary judgment. As mentioned above , we review de novo the district court’s decision to grant summary judgment , applying the same standard as the district court. See Byers , 150 F.3d at 1274.
Ms. Mares argues the insurance policy is ambiguous, and, therefore, there are genuine issues of material fact as to whether s he has coverage under the circumstances. By way of affidavit, she offers her“reasonable expectations” of what the policy should cover. She also points to an affidavit from an insurance expert who concluded “potential coverage exists her e – depending upon future discovery.” She believes she may have coverage if her “actions caused the exposure to the condition resulting in injury.”-11-

We reject Ms. Mares’ argument. Despite the affidav its mentioned above, we have already determined the plain language of th e insurance policy does not grant coverage for “the theories of liability advan ced in the underlying [state court] lawsuit.” We can find no genuine issues of material fact as to this issue.
In a related argument, Ms. Mares asserts the distri ct court should have postponed summary judgment under Fed. R. Civ. P. 56 (f) so she could “develop[] the factual basis supporting the reasonableness of her expectations.” She believes “discovery w[ill] reveal facts that would establish Safeco’s anticipation of coverage under these circumstances.” She compla ins the district court did not allow her “the opportunity to discover her claim fi le, to discover any Safeco manual or document explaining th[e] endorsement, an d to obtain testimony about the extent and application of the [pertinent policy language].” She believes this evidence will “implicate[] coverage for [her] motor ized recreational vehicle.”
“We review a district court’s denial of a Rule 56(f ) motion for an abuse of discretion.” Jensen v. Redev. Agency of Sandy City , 998 F.2d 1550, 1553 (10th Cir. 1993). “[T]he party filing the [Rule 56(f)] a ffidavit must show how additional time will enable him to rebut the movant ’s allegations of no genuine issue of fact.” Id . at 1554 (quotation marks and citation omitted). “[I]f the party-12-

filing the Rule 56(f) affidavit has been dilatory, or the information sought is either irrelevant to the summary judgment motion ormerely cumulative, no extension will be granted.” Id
. In light of our previous discussion, we question th e relevance of Ms. Mares’ desire to discover facts supporting her “rea sonable expectations.” We do not believe they are “essential to justify [her] op position [to summary judgment].” Fed. R. Civ. P. 56(f). In any event, after reviewi ng her Rule 56(f) request, we agree with the district court that “[h]er Rule 56(f ) presentation ... does not explain how additional discovery will enable her to oppose the operative facts contained in the [summary judgment] motion.” As to her claim additional evidence will “implicate[] coverage for [her] motorized recreatio nal vehicle,” we also agree with the district court that this claim is “unverif ied, does not contain any basis to conclude it is likely that such information exists, and does not indicate what steps have been taken to obtain such information.” Final ly, although this action had been “pending for several months” before the distri ct court, Ms. Mares never explains why she had not yet discovered the above i nformation. It is not enough to merely assert the desired evidence “is in the ha nds of the [opposing party].” Jensen , 998 F.2d at 1554. Under these circumstances, we conclude the district court did not abuse its discretion in denying Ms. M ares’s Rule 56(f) request.-13- III Conclusion For the reasons discussed above, we AFFIRM the judgment of the district court.
Entered by the Court: WADE BRORBY United States Circuit Judge