In Partin v. Georgia Farm Bureau Mut. Ins. Co. (21 May 2015), the court held a farm liability policy did not exclude coverage for an accident involving the insured’s all-terrain vehicle. The insured was a farmer who maintained a Polaris Ranger, a four-wheeled all-terrain vehicle, for use on his farm. Two teenagers went for a joy-ride in the Ranger, without permission, and were injured in an accident. The farm liability policy excluded coverage for injuries “arising out of the ownership, maintenance, use or entrustment to others of any . . . motor vehicle . . . .” The insurer denied coverage on that basis.
The Court of Appeals held, however, that the exclusion did not apply, because the policy exclusion contained exceptions for “mobile equipment” and a “farm implement while upon public roads.” The court held these exceptions were ambiguous as to whether they applied to the Ranger, and therefore, ruled the motor vehicle exclusion did not apply.