Nancy Gabbert, individually and as Administratrix of the Estate of Kevin Gabbert, appeals the district court’s order granting summary judgment to RLI Insurance Company in this declaratory judgment action. We have reviewed the record and find no reversible error. Accordingly, we affirm for the reasons stated by the district court. See RLI Ins. Co. v. Gabbert, No. CA-03-263-1 (N.D. W. Va. filed Mar. 3, 2005 & entered Mar. 4, 2005). We dispense with oral argument because the facts and legal contentions are adequately presented in the materials before the court and argument would not aid the decisional process.

AFFIRMED