American States Insurance v. Bolin

American States Insurance Company excludes snowmobiles from underinsured motorist (UIM) coverage. We hold the exclusion does not violate public policy and is not ambiguous, and affirm.

FACTS

In March, 1999, David Bolin traveled to Newtok, a remote village in Alaska near the Bering Sea, to help villagers evaluate a government-proposed land exchange. The entire region was covered by snow and ice, and snowmobiles were the only means of ground transport between villages. Bolin hired a snowmobile and driver. On an *712established snow road1 along the shore of the Bering sea, the driver lost control and…