Our insured was driving her ATV at a state park and hit the side of an oncoming vehicle. The policy is a homeowners policy H03 10/00. The ATV is not required to be licensed or registered. The loss state is Alaska. The motor vehicle liability exclusion does not apply when a vehicle is not licensed or registered for use on public roads or is designed for recreational use off public roads and takes place on an insured location, as defined in Definitions B. 6.a., b., d., e. or h.; section d as a premises where an "insured" is temporarily residing and e. is vacant land other than farm land rented to an insured.

This occurred at a campsite where the insured was temporarily residing. Would this be considered a premises or vacant land?

Alaska Subscriber