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                        as a courtesy to the reader. They are not part of the opinion of the court.

142933P.pdf   08/11/2015  Grinnell Mutual Reinsurance  v.  Kelly Stuart Schmidt
   U.S. Court of Appeals Case No:  14-2933
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Bye, Author, with Loken and Kelly, Circuit Judges] 
   Civil case - Insurance law. The district court did not err in finding that 
   the insured did not give express permission to the victim of an ATV 
   accident to operate the vehicle; as a result,the "express permission" 
   exclusion did not apply, and the accident was covered.