Progressive American Insurance v. Horde

Eldridge, Judge.

Plaintiff-appellee, Gaither W. “Rocky” Horde III, brought the instant action against his insurer, defendant-appellant Progressive American Insurance Company, after Progressive denied Horde coverage under a policy exclusion for damage to his Dodge Viper GTS (“Viper”) sustained as he hit the wall after exiting Turn No. 1 at the Road Atlanta Racetrack. Pertinently, the policy exclusion barred coverage “to a covered vehicle or non-owned vehicle resulting from . . . practice or preparation for any [pre-arranged or organized racing, speed or demolition] contest or [stunting]…