( December 10, 2025, 2:10 PM EST) -- NEW ORLEANS — A Fifth Circuit U.S. Court of Appeals panel majority on Dec. 9 reversed a lower federal court’s order that granted a homeowners insurer’s motion for judgment as a matter of law in its declaratory judgment lawsuit arising from a spinal cord injury that occurred at its insureds’ home, ruling there was a legally sufficient evidentiary basis for a jury to determine that the spinal injury did not arise out of the use of a controlled substance and, therefore, the policy’s controlled substance exclusion does not bar coverage....