Missouri Court of Appeals, Southern District / Jul 29, 2022
M.P., a minor, by and through AMANDA ZIPFEL, as Next Friend, Appellant vs. TREXIS ONE INS. COPR., f/k/a ALFA SPECIALTY INS. CORP., Respondent
M.P., a minor, sought uninsured motorist coverage from Trexis One Insurance Corporation after being injured by a golf cart in a private RV park. The trial court denied relief, finding that the golf cart was designed for off-road use and the accident did not occur on a "public road" as defined in the policy. The appellate court affirmed, holding that the trial court correctly applied the plain and ordinary meaning of "public road" and that M.P. failed to prove the accident occurred on such a road.