American Family Mutual Insurance Company, Petitioner v. Jennifer Hansen, Respondent

Summary

The court held that the insurance policy unambiguously identified the respondent's parents as the named insureds on the date of the accident. Because the ambiguity arose only from extrinsic lienholder statements, the insurer reasonably denied coverage based on the policy and could not be liable for statutory bad faith. The court reversed and remanded, and did not reach the parties' alternative arguments concerning the jury's damages findings or penalty calculation.