Gittings v. American Family Insurance

OPINION

JACOBSON, Presiding Judge.

The issue raised in this appeal is whether an exclusion from uninsured motorist coverage of off-road vehicles involved in off-road accidents applies to an off-road vehicle that collided with a utility pole within the right-of-way of a public road. To decide this issue, we must define the term “public roads” as it appears in the policy’s exclusion.

FACTS AND PROCEDURAL HISTORY

Appellant Denise Gittings (plaintiff) brought this action for a declaratory judgment of insurance coverage for an accident in which her husband was killed while a passenger in an off-road…