State Farm Mutual Automobile Insurance v. Beck

Defendant Beck appeals from a judgment entered in favor of plaintiff State Farm.1 The issue is whether an uninsured three-wheeled motorcycle designed for use mainly off public roads is an “uninsured motor vehicle” for purposes of uninsured motorist coverage. The trial court held that it is not. We affirm.

On February 21, 1983, Beck sustained personal injuries as the result of an accident. Beck and Mize collided on private land while operating three-wheeled motorcycle-type vehicles. Mize was uninsured. Beck was insured under an automobile liability policy, issued by State Farm, which excludes…