Olympia Williams, Mary Thomas and Alonzo Johnson v. Mississippi Farm Bureau Casualty Insurance Company

Summary

The Mississippi Supreme Court affirmed summary judgment for Mississippi Farm Bureau, holding that the policy's exclusion of vehicles designed mainly for off-road use or incapable of being licensed for public roads excludes the ATV involved in the collision from uninsured-motorist coverage. The Court concluded that this exclusion does not unlawfully reduce coverage required by Mississippi's Uninsured Motorist Act because an ATV is not a statutory motor vehicle under the relevant provisions. The Court also held that the policy language is clear and unambiguous and must be enforced as written.