PAUL M. SPINDEN, Judge.
The central issue in this dispute in which Douglas Ferguson and his family have sued Gateway Insurance Company is whether or not a horse-drawn buggy is a "motor vehicle." Ferguson contends that it is; therefore, Gateway, his insurer, was obligated by its policy's uninsured motorist provisions to pay for injuries caused when in 2002 the car he was driving hit a horse-drawn buggy. Gateway's policy restricted uninsured motorist coverage to liability...
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