Summary judgments are affirmed if there are no issues of material fact and the moving party is entitled to prevail on those undisputed facts as a matter of law. Here, the material facts are undisputed. This appeal, then, reviews only the district court's determination that the undisputed facts mandate a judgment in favor of State Farm. No deference is given to the district court's conclusions of law. Martin v. Farmers Ins.
Insurance policies are contracts.
Those contracts may include whatever terms the parties want, so long as statutes or public policy are not violated. Co. v. Wyoming Ins. Wyoming statutes require every driver to have a minimum amount of liability insurance coverage. Liability insurance policies must provide at least that much coverage, even for claims made by members of the insured's household. The Pribbles' insurance policy met this requirement of public policy.