( June 23, 2026, 1:04 PM EDT) -- RICHMOND, Va. — The Fourth Circuit U.S. Court of Appeals held June 22 that a lower federal court committed no reversible error when it entered summary judgment in favor of a homeowners insurer in the insurer’s lawsuit disputing coverage for underlying general negligence and social host liability claims arising from a car accident following a “beer Olympics” drinking party that was held at the insured’s home, agreeing with the lower court that the insurer has no duty to defend or indemnify....