Illinois Farmers Insurance Co. v. Coppa

OPINION

PARKER, Judge.

Appellants seek review of a declaratory judgment holding that a claim for bodily injury fell outside the scope of applicable insurance coverage. We affirm.

FACTS

This matter arose out of an accident in November 1985 involving an all-terrain vehicle (ATV). Appellants Lori Coppa and Daniel Whaley were visiting the Nelsons’ daughter. With the Nelsons’ consent, the teenagers rode the ATV throughout the Nelsons’ property and on a neighbor’s adjoining hayfield. The ATV tipped over while they were riding across the hayfield, and a back tire of the ATV landed on Coppa’s foot and…