[PUBLISH] In the United States Court of Appeals For the Eleventh Circuit

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No. 22-13338 ____________________

VFS LEASING CO., Plaintiff-Appellee, versus MARKEL INSURANCE COMPANY,

Defendant,

MARKEL AMERICAN INSURANCE COMPANY,

Defendant-Appellant. USCA11 Case: 22-13338 Document: 56-1 Date Filed: 10/30/2024 Page: 2 of 18

2 Opinion of the Court 22-13338

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Appeal from the United States District Court for the Middle District of Florida D.C. Docket No. 8:21-cv-01297-TPB-JSS ____________________

Before JORDAN, LAGOA, and TJOFLAT, Circuit Judges. LAGOA, Ci