Kimberly S. Ridgeway v. Progressive Halcyon

This appeal arises from a personal injury action brought by Kimberly Ridgeway (“Ridgeway”) seeking to recover benefits under the “Uninsured/Underinsured Boater Coverage” section of a Progressive Halcyon (“Progressive”) watercraft insurance policy. The district court granted summary judgment in favor of Progressive, finding that no coverage was due under the terms of the policy.

Ridgeway alleges that two unidentified vessels acted negligently and wantonly by driving too closely to the boat in which she was riding, and too fast for the area and the crowded conditions. Ridgeway was severely…