Moore v. State Farm Mutual Automobile Insurance

In this automobile insurance case, we determine whether expenses for treatment of bodily injuries, sustained by an insured when struck by a “family-class stock car” at an automobile race track, are excluded from coverage under the medical payments provisions of his insurance policy.

In April 1991, James M. Moore was injured at the Natural Bridge Speedway when he was struck by a vehicle operated by Milton Patrick Shores, Jr. Shores was driving his vehicle in a “warm-up” prior to the beginning of a race. At the time of the accident, Moore was standing on the edge of the race track.

Moore was…