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STATE OF MINNESOTA IN COURT OF APPEALS A11-1145 Auto-Owners Insurance Company, Appellant, vs. Second Chance Investments, LLC, Respondent. Filed March 26, 2012 Affirmed Kalitowski, Judge Hennepin County District Court File No. 27-CV-10-15620 Joseph F. Lulic, Charles M. Austinson, Hanson, Lulic & Krall, LLC, Minneapolis, Minnesota (for appellant) Michael R. Moline, Monroe Moxness Berg, PA, Minneapolis, Minnesota; and Jenneane L. Jansen, Kris E. Palmer, Jansen & Palmer, LLC, Minneapolis, Minnesota (for respondent) Considered and decided by Kalitowski, Presiding Judge; Schellhas, Judge; and Bjorkman, Judge. SYLLABUS 1. Under Minn. Stat.

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