Ryals Ex Rel. Ryals v. State Farm Mutual Automobile Insurance

TROUT, Chief Justice.

This is a breach of insurance contract case involving an appeal taken by Vanessa Ryals (Ryals) from a decision of the district judge. The district judge denied Ryals’ uninsured motorist claim against Ryals’ insurer, State Farm Mutual Automobile Insurance Company (State Farm), finding that there was no coverage under the uninsured motorist provisions of Ryals’ policy. We affirm the district judge.

*304I.

BACKGROUND

Ryals was involved in an automobile accident with New York resident Ismet Djurkovic (Djurkovie) in New York City on October 1, 1995. At the time of the accident, Ryals…