State Farm Mutual Automobile Insurance v. Gates

In July 1993, 16-year-old Jessica Boyd was injured while a passenger on a three-wheeled all-terrain vehicle (ATV) driven by a friend. Because the friend was uninsured, Boyd sought benefits from State Farm under the underinsured motorist (UIM) provisions of her parents’ (the Gates’s) policy. The UIM section of that policy excludes from coverage motorcycles and motor driven cycles. In this case, we are asked to decide whether this exclusion extends to AT Vs such as the one Boyd was riding. Holding that such an ATV is a motorcycle or motor driven cycle, we affirm the trial court’s summary…