No: 04-3945 JASON SCHULTZ v. Encompass Insurance Company

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NOT PRECEDENTIAL
UNITED STATES COURT OF APPEALS
FOR THE THIRD CIRCUIT
No: 04-3945
JASON SCHULTZ,
Appellant
v.
ENCOMPASS INSURANCE COMPANY
Appeal from the United States District Court
for the Eastern District of Pennsylvania
(Civ. No. 03-cv-03936)
District Judge: Hon. Juan R. Sanchez
Submitted pursuant to Third Circuit LAR 34.1(a)
Friday, September 23, 2005
Before: ROTH, McKEE and FISHER,
Circuit Judges
(Opinion filed: October 17, 2005)
OPINION
McKEE, Circuit Judge.
Jason Schultz was injured in an automobile accident and sought a declaratory
judgment that he is covered under an automobile insurance policy Encompass Insurance
issued to his grandparents, Loretta and Paul V. Schultz. Following a non-jury trial, the
district court found that Schultz is not covered by the policy because he was not a resident
of his grandparents’ household at the time of the accident, as required by the terms of the

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policy. Accordingly, the district court entered judgment in favor of Encompass, and this
appeal followed, and we will affirm.
Inasmuch as the district court has set forth the factual and procedural history of
this case, we find it unnecessary to repeat that history here. See Schultz v. Encompass
Insurance, 2004 WL 2075114 (E.D. Pa. Sept. 16, 2004). Moreover, in his thoughtful
Memorandum and Opinion, Judge Sanchez has carefully and completely explained his
reasons for finding that Schultz is not covered under his grandparents’ policy. We can
add little to Judge Sanchez’ searching analysis, and the arguments raised on appeal do not
merit further discussion.
Accordingly, we will affirm the district court substantially for the reasons set forth
in the district court’s Memorandum and Order without further discussion.

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