Horse-Drawn Buggy Not A Motor Vehicle

In a matter of first impression in Delaware, a court has ruled that a horse-drawn buggy is not a motor vehicle for the purposes of auto coverage.

A woman driving an automobile collided with a horse-drawn buggy that was uninsured. The injured woman sought uninsured motorist coverage under her State Farm policy, which was denied. As the court noted, a vehicle pulled by a horse does not have a motor, and the auto policy at issue provided coverage only for damages arising from the use, maintenance, or ownership of a land motor vehicle.

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