No. 06-35867.

527 F.3d 930 (2008)

John M. FERGUSON, as the Father of and on behalf of Richard F. McLEOD, Plaintiff-Appellant, v. COREGIS INSURANCE COMPANY, Defendant-Appellee.

United States Court of Appeals, Ninth Circuit.

Filed June 3, 2008.

Attorney(s) appearing for the Case

Gary I. Amendola, Amendola, Anderson & Doty, PLLC, Coeur d'Alene, ID, for the plaintiff-appellant.

Brian K. Julian, Amy G. White, Anderson, Julian & Hull, LLP, Boise, ID, for the defendant-appellee.

Before: DAVID R. THOMPSON, W. FLETCHER, and CARLOS T. BEA, Circuit Judges.


What happens when an insurance company includes a policy endorsement meant to reduce the dollar limits to which it will respond for its policyholder's liability, but does so by reference to a non-existent standard? What should happen: the endorsement is ineffective to reduce those limits.

Plaintiff-Appellant, John M. Ferguson, filed this action on behalf of his son, Richard F. McLeod, in Idaho state court seeking a declaratory judgment as to the...

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