Farmers Insurance Group v. Koberg

Opinion

BLEASE, J.

Defendant Charles Koberg appeals from a judgment declaring that he is not entitled to coverage under a policy of insurance issued to him by plaintiff Farmers Insurance Group (Farmers). We affirm the judgment.

Facts

Koberg suffered injuries as a passenger in a “dune buggy” when it overturned while driven by its owner, Allen Blankers, 1 across sand dunes at Pismo Beach, California.

Blankers purchased the dune buggy in 1975, and began using it in 1977. He registered it as an “off-road vehicle.” It was constructed out of steel tubing with an engine, transmission and four seats. The…