Fire Insurance Exchange v. Oltmanns ( 2012 )


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  •                          IN THE UTAH COURT OF APPEALS
    ‐‐‐‐ooOoo‐‐‐‐
    Fire Insurance Exchange, a reciprocal or    )               OPINION
    inter‐insurance exchange,                   )
    )         Case No. 20100462‐CA
    Plaintiff and Appellee,               )
    )
    v.                                          )              FILED
    )           (August 16, 2012)
    Robert Allen Oltmanns and                   )
    Brady Blackner,                             )           
    2012 UT App 230
    )
    Defendants and Appellants.            )
    ‐‐‐‐‐
    Second District, Farmington Department, 090700825
    The Honorable Glen R. Dawson
    Attorneys:      Alan W. Mortensen, Paul M. Simmons, and Donald L. Dalton, Salt Lake
    City, for Appellants
    Aaron Alma Nelson, Salt Lake City, for Appellee
    ‐‐‐‐‐
    Before Judges McHugh, Voros, and Orme.
    ORME, Judge:
    ¶1     Robert Oltmanns and Brady Blackner appeal the decision of the district court
    granting Fire Insurance Exchange’s motion for summary judgment. The court
    determined that the term “jet ski” as used in a homeowner’s policy was unambiguous
    and effectively excluded coverage for claims arising from the use of any and all
    personal watercraft. We reverse.
    BACKGROUND
    ¶2     Oltmanns, the insured, and his friend Blackner were operating a Honda F‐12
    AquaTrax personal watercraft on a lake in southern Utah. This kind of personal
    watercraft is designed for use by a seated driver and up to two additional seated
    passengers. A lawsuit resulted from injuries sustained in an accident that occurred
    during this use, and Oltmanns tendered the defense to Fire Insurance Exchange, with
    whom he was insured under a homeowner’s policy. The insurance policy contained the
    following exclusion from its liability coverage:
    We do not cover bodily injury [that] . . .
    ...
    7. results from the ownership, maintenance, use, loading or
    unloading of:
    a. aircraft
    b. motor vehicles
    c. jet skis and jet sleds or
    d. any other watercraft owned or rented to an
    insured and which:
    (1) has more than 50 horsepower
    inboard or inboard‐outdrive
    motor power; or
    (2) is powered by one or more
    outboard motors with more than
    25 total horsepower; or
    (3) is a sailing vessel 26 feet or
    more in length.
    Exclusions 7c and d do not apply while jet skis, jet sleds or
    watercraft are stored . . . .
    ¶3      Relying on this exclusion, the insurance company brought a declaratory
    judgment action against Oltmanns and Blackner, arguing that it had no duty to defend
    or indemnify Oltmanns or compensate Blackner because liability coverage was
    excluded by the above provision. The insurance company then moved for summary
    judgment, arguing that Oltmanns was operating a “jet ski,” which is merely a synonym
    for personal watercraft, and that the policy unambiguously excluded coverage for use
    of all such watercraft. Oltmanns argued that the exclusion did not apply because it was
    ambiguous, pointing out that “Jet Ski” is a registered trademark for a particular model
    of Kawasaki personal watercraft, which was not involved in the accident. The trial
    20100462‐CA                                 2
    court granted the insurance company’s motion for summary judgment, and this appeal
    followed.
    ISSUE AND STANDARD OF REVIEW
    ¶4      Oltmanns and Blackner contend that the trial court erred in granting the
    insurance company’s motion for summary judgment. A motion for summary judgment
    may be granted only when “there is no genuine issue as to any material fact and . . . the
    moving party is entitled to a judgment as a matter of law.” Utah R. Civ. P. 56(c).
    “Where the moving party would bear the burden of proof at trial, the movant must
    establish each element of his claim in order to show that he is entitled to judgment as a
    matter of law.” Orvis v. Johnson, 
    2008 UT 2
    , ¶ 10, 
    177 P.3d 600
    . Even “‘[w]here the party
    opposed to the motion submits no documents in opposition, the moving party may be
    granted summary judgment only . . . if he is entitled to judgment as a matter of law.’” Ward
    v. Graydon, 
    2011 UT App 358
    , ¶ 15, 
    264 P.3d 764
     (emphasis and omissions in original)
    (quoting Olwell v. Clark, 
    658 P.2d 585
    , 586 (Utah 1982)), cert. denied, 
    275 P.3d 1019
     (Utah
    2012). A trial court’s ruling on summary judgment presents a question of law. See
    Massey v. Griffiths, 
    2007 UT 10
    , ¶ 8, 
    152 P.3d 312
    . The court’s “legal conclusions and
    ultimate grant or denial of summary judgment are reviewed for correctness.” 
    Id.
     Also,
    “[i]nterpretation of an insurance contract presents a question of law” and we “accord
    the trial court’s legal conclusions regarding the contract no deference but review them
    for correctness.” Bear River Mut. Ins. Co. v. Williams, 
    2006 UT App 500
    , ¶ 7, 
    153 P.3d 798
    (citations and internal quotation marks omitted).
    ANALYSIS
    ¶5      The insurance company argues that its use of the term “jet ski” was intended to
    refer to any and all personal watercraft. It contends that “jet ski” is common vernacular
    for such and thus is not ambiguous. Before we attempt to understand what “jet ski”
    means for purposes of this contract, however, it is helpful to review the rules governing
    contract interpretation, particularly in the insurance contract context.
    ¶6     “Insurance policies are generally interpreted according to rules of contract
    interpretation.” Utah Farm Bureau Ins. Co. v. Crook, 
    1999 UT 47
    , ¶ 5, 
    980 P.2d 685
    .
    Because “an insurance policy is a classic example of an adhesion contract,” Utah courts
    have long held that “‘insurance policies should be construed liberally in favor of the
    insured and their beneficiaries so as to promote and not defeat the purposes of
    20100462‐CA                                  3
    insurance.’” United States Fidelity & Guar. Co. v. Sandt, 
    854 P.2d 519
    , 521‐22 (Utah 1993)
    (quoting Richards v. Standard Acc. Ins. Co., 
    58 Utah 622
    , 
    200 P. 1017
    , 1020 (1921)). “It
    follows that ambiguous or uncertain language in an insurance contract that is fairly
    susceptible to different interpretations should be construed in favor of coverage” and
    “provisions that limit or exclude coverage should be strictly construed against the
    insurer.” 
    Id.
     at 522‐23. In strictly construing exclusions, we give them effect only when
    they use “language which clearly and unmistakably communicates to the insured the
    specific circumstances under which the expected coverage will not be provided.” Crook,
    
    1999 UT 47
    , ¶ 5 (citations and internal quotation marks omitted).
    ¶7      When faced with ambiguity in a written contract, courts do not interpret the
    provision to comport with what they think is most sensible or is most likely what one of
    the parties “really” meant or is what leads to the fairest result. Rather, they recognize
    the need to consider extrinsic evidence in an effort to resolve the ambiguity. See
    Wilburn v. Interstate Electric, 
    748 P.2d 582
    , 584‐85 (Utah Ct. App. 1988). If the extrinsic
    evidence is not conclusive, then the last resort in contract interpretation is to construe
    the provision against the drafter. See 
    id. at 585
     (“Once a contract is deemed ambiguous,
    the next order of business is to admit extrinsic evidence to aid in interpretation of the
    contract. It is only after extrinsic evidence is considered and the court is still uncertain
    as to the intention of the parties that ambiguities should be construed against the
    drafter.”) (footnote omitted).
    ¶8      As a practical matter, though, there is a different protocol in the case of insurance
    and surety contracts, where it is seen as appropriate to jump immediately to what is
    usually viewed as the “last resort,”“tie‐breaker” rule of interpretation, namely
    construction against the drafter. See 
    id.
     at 585 & n.2. This is due to the probable dearth
    of relevant extrinsic evidence in these contexts. See 
    id.
     (noting that while the usual rule
    is that extrinsic evidence must be considered before turning to the rule of construction
    that calls for ambiguities to be construed against the drafter, there are “arguable
    exceptions” in the case of insurance and surety contracts that “may be explained, at
    least in part, by the fact that such contracts are ordinarily not preceded by discussion or
    negotiation of specific terms and, thus, absent meaningful extrinsic evidence as to
    intent, recourse must be had directly to the maxim that ambiguities should be construed
    against the drafter”). As noted above, construction against the insurer is especially
    appropriate when an ambiguous term appears in an exclusionary provision because
    such provisions are “strictly construed against the insurer.” Sandt, 854 P.2d at 523.
    ¶9     In the case at hand, it may be true that the insurer meant, through its use of the
    term “jet ski,” to exclude from coverage all varieties of personal watercraft. And we are
    20100462‐CA                                  4
    confident that the insurer did not intend to refer only to a particular Kawasaki model of
    personal watercraft, even though there is such a model named Jet Ski. But the provision
    in question is not a model of clarity and at least one additional interpretation is entirely
    possible. Another common use of the term “jet ski” is in reference to the stand‐up
    variant of personal watercraft, in contradistinction to the sit‐down variety, known
    colloquially—and also imprecisely—as wave runners. The subject is well‐illuminated
    in that great repository of contemporary wisdom, Wikipedia:1
    Jet Ski is the brand name of a personal watercraft
    manufactured by Kawasaki Heavy Industries. The name is
    sometimes mistakenly used by those unfamiliar with the
    personal watercraft industry to refer to any type of personal
    watercraft; however, the name is a valid trademark
    registered with the United States Patent and Trademark
    Office, and in many other countries. The term “Jet Ski” (or
    JetSki, often shortened to “Ski”) is often mis‐applied to all
    1. In the past, we might have hesitated to cite Wikipedia in a judicial opinion
    given its reputation—perhaps not well deserved—for unreliability. See, e.g.,
    Wikipedia Survives Research Test, BBC News (Dec. 15, 2005),
    http://news.bbc.co.uk/2/hi/technology/4530930.stm (finding rate of error in scientific
    articles to be about the same as between Wikipedia and Encyclopedia Britannica). But
    the increasing trend of using Wikipedia in judicial opinions over the last decade seems
    to demonstrate a growing recognition of its value in some contexts, as noted in one 2010
    article that found that by that year Wikipedia had been cited in over four hundred
    judicial opinions. See Lee F. Peoples, The Citation of Wikipedia in Judicial Opinions, 12
    Yale J. L. & Tech. 1, 1 (2009–2010) (reviewing several instances in which Wikipedia has
    been cited in judicial opinions and critiquing its usefulness, or lack thereof, in those
    contexts). Judge Posner argued in 2007 that “Wikipedia is a terrific resource . . . [p]artly
    because it [is] so convenient, it often has been updated recently and [it] is very
    accurate,” after citing it in United States v. Radomski, 
    473 F.3d 728
    , 731 (7th Cir. 2007). See
    Noam Cohen, Courts Turn to Wikipedia, but Selectively, N.Y. Times, Jan. 29, 2007 at C3.
    While a prudent person would avoid a surgeon who bases his or her understanding of
    complicated medical procedures on an online source whose contributors range from
    expert scholars to internet trolls, where an understanding of the vernacular or colloquial
    is key to the resolution of a case, Judge Posner is correct that Wikipedia is tough to beat.
    A fuller explanation of the propriety of citing Wikipedia is set forth in Judge Voros’s
    separate opinion.
    20100462‐CA                                   5
    personal watercraft with pivoting handlepoles manipulated
    by a standing rider; these are properly known as Stand‐up
    PWCs. The term is often mistakenly used when referring to
    WaveRunners, but WaveRunner is actually the name of the
    Yamaha line of sit‐down PWCs, whereas “Jet Ski” refers to
    the Kawasaki line.
    Jet Ski, http://en.wikipedia.org/wiki/Jet_ski (last visited August 13, 2012) (footnotes
    omitted).
    ¶10 Basically, then, the insurer was imprecise in using the term “jet ski” in its policy.
    Even discounting the bizarre possibility that it meant to refer only to one Kawasaki
    watercraft model, it still cannot be definitively said what the insurer intended: Did it
    mean all manner of personal watercraft? Or did it mean only the stand‐up variety?2
    The provision, then, is ambiguous as a matter of law.3
    2. This does not seem like a terribly far‐fetched proposition. Intuitively, at least, it
    seems that a motorized watercraft on which the rider stands up may be much more
    dangerous than one on which the rider is seated.
    3. The insurer’s lack of care in drafting this provision is further demonstrated by its
    pairing of the term “jet sled” with “jet ski.” The author of this opinion theorized at
    oral argument that perhaps “jet sled” was used in reference to the sit‐down variants
    of personal watercraft while “jet ski” was used to refer to the stand‐up kind. The idea
    had no takers, however, despite its apparent logic, and indeed, our research finds
    not a single instance where “jet sled” has been used synonymously with personal
    watercraft of any sort. Wikipedia does not even have an article, among its several
    million, on jet sleds. It appears that “jet sled” can refer to an unmotorized sled used for
    hauling ice fishing equipment, see Shappell, Multi‐Purpose Sleds,
    http://www.shappell.com/sleds.html (last visited August 8, 2012), or to a large
    motorboat of the sort that would be readily and redundantly covered in the next
    subsection, subsection (d), of the exclusion in question, see Google Images for “Jet Sled
    Boat,” http://google.com (follow “Images” option; then search “Jet Sled Boat”) (last
    searched August 8, 2012).
    20100462‐CA                                   6
    CONCLUSION
    ¶11 This provision fails to “clearly and unmistakably communicate[] to the insured
    the specific circumstances under which the expected coverage will not be provided.”
    Utah Farm Bureau Ins. Co. v. Crook, 
    1999 UT 47
    , ¶ 5, 
    980 P.2d 685
     (citation and internal
    quotation marks omitted). Because the exclusionary provision is ambiguous, it must be
    construed against the drafter, and thus the language relied on by the insurance
    company is not effective to exclude coverage for an insured’s accident resulting from
    use of an AquaTrax personal watercraft of the sit‐down variety. The summary
    judgment is reversed and the case remanded for trial or such other proceedings as may
    now be in order.
    ____________________________________
    Gregory K. Orme, Judge
    ‐‐‐‐‐
    ¶12   I CONCUR:
    ____________________________________
    Carolyn B. McHugh,
    Presiding Judge
    ‐‐‐‐‐
    VOROS, Associate Presiding Judge (concurring):
    ¶13 I concur fully in the lead opinion. I write separately to explain why I believe that
    opinion appropriately cites Wikipedia in construing the term “jet ski” in the insurance
    contract at issue here. Wikipedia has been cited in hundreds of American judicial
    opinions, including one issued by the Utah Supreme Court. See State v. Alverez, 
    2006 UT 61
    , ¶ 16 n.5, 
    147 P.3d 425
     (citing a Wikipedia entry on Jesus Malverde). But today’s lead
    opinion is the first time this court has cited it.
    20100462‐CA                                 7
    ¶14 Wikipedia is a “free, collaboratively edited, and multilingual Internet
    encyclopedia” whose 22 million articles (over 4 million in English) are written by
    volunteers. Wikipedia, Wikipedia, http://en.wikipedia.org/wiki/Wikipedia (as of Aug.
    13, 2012, 18:48 GMT). Most of its articles can be edited by anyone with access to the site.
    Wikipedia claims to be “the largest and most popular general reference work on the
    Internet,” with “an estimated 365 million readers worldwide” and “2.7 billion monthly
    pageviews from the United States alone.” 
    Id.
     (footnotes omitted).
    ¶15 Because Wikipedia is an open‐source project, questions arise as to its reliability.
    Indeed, Wikipedia’s own article on the subject references various studies as well as
    opposing views from librarians, academics, experts in science and medicine, and editors
    of other encyclopedias. See Wikipedia, Reliability of Wikipedia, http://en.wikipedia.org/
    wiki/Reliability_of_Wikipedia (as of Aug. 13, 2012, 18:51 GMT). In addition, most or all
    Wikipedia entries include a broad disclaimer on the entry’s citation page:
    IMPORTANT NOTE: Most educators and professionals do
    not consider it appropriate to use tertiary sources such as
    encyclopedias as a sole source for any information—citing
    an encyclopedia as an important reference in footnotes or
    bibliographies may result in censure or a failing grade.
    Wikipedia articles should be used for background
    information, as a reference for correct terminology and
    search terms, and as a starting point for further research.
    As with any community‐built reference, there is a
    possibility for error in Wikipedia’s content—please check
    your facts against multiple sources and read our disclaimers
    for more information.
    Wikipedia, Cite Page: Jet Ski, http://en.wikipedia.org/w/index.php?title=
    Special:Cite&page=Jet_Ski&id=493156065 (as of Aug. 13, 2012, 18:52 GMT).1
    1. Reliability may also be an issue for the Wikipedia citation itself:
    A defining feature of Wikipedia is that its entries are in a
    constant state of change. The impermanent nature of the
    information on Wikipedia has serious consequences when
    Wikipedia entries are cited in judicial opinions. Unless they
    are provided with a date‐ and time‐specific citation,
    (continued...)
    20100462‐CA                                 8
    ¶16 Citing Wikipedia is as controversial as it is common.2 Some courts approve it,
    others condemn it. Compare United States v. Lawson, 
    677 F.3d 629
    , 650 (4th Cir. 2012)
    (stating that the court is “troubled by Wikipedia’s lack of reliability”), Bing Shun Li v.
    Holder, 400 Fed. App’x 854, 857–58 (5th Cir. 2010) (expressing “disapproval of the
    [immigration judge]’s reliance on Wikipedia and [warning] against any improper
    reliance on it or similarly unreliable internet sources in the future”), Badasa v. Mukasey,
    
    540 F.3d 909
    , 910–11 (8th Cir. 2008) (noting Wikipedia’s acknowledgment that, “at any
    given moment,” an entry “could be in the middle of a large edit or it could have been
    recently vandalized” (citation and internal quotation marks omitted)), and In re Marriage
    of Lamoure, 
    132 Cal. Rptr. 3d 1
    , 15 (Cal. Ct. App. 2011) (“We do not consider Wikipedia a
    sufficiently reliable source” for defining the term “noncustodial.”), with Prude v. Clarke,
    
    675 F.3d 732
    , 734 (7th Cir. 2012) (citing Wikipedia entry, in the context of an Eighth
    Amendment challenge, for the proposition that an anal fissure “is no fun at all”), United
    States v. Brown, 
    669 F.3d 10
    , 18 & n.12 (1st Cir. 2012) (citing Wikipedia for its definition
    of “sovereign citizen movement,” one of a criminal defendant’s “atypical legal beliefs”),
    Murdock v. Astrue, 458 Fed. App’x 702, 705 n.3 (10th Cir. 2012) (citing Wikipedia for
    “some examples of block lengths from cities in this country”), and State v. Ballard, 2012‐
    NMCA‐043, ¶ 19 n.1, 
    276 P.3d 976
     (N.M. Ct. App. 2012) (citing Wikipedia to define
    “peer‐to‐peer file sharing”).
    ¶17 A recent law review article by Professor Lee F. Peoples examines in depth the
    issues surrounding the citation of Wikipedia in judicial opinions. See Lee F. Peoples,
    1. (...continued)
    researchers who pull up a Wikipedia entry cited in a judicial
    opinion will never be absolutely certain they are viewing the
    entry as it existed when the judge viewed it. . . . This may
    ultimately lead to uncertainty and instability in the law.
    Lee F. Peoples, The Citation of Wikipedia in Judicial Opinions, 
    12 Yale J.L. & Tech. 1
    , 38–39
    (2009–2010). Fortunately, each Wikipedia entry has a “Cite this page” link showing
    citations to that entry in various styles, including the style prescribed by the Harvard
    Journal of Law & Technology. That journal’s citation style, which I have followed in
    this opinion, is more specific than ordinary Bluebook citation style.
    2. “Many citations by judges, often in footnotes, are . . . beside the main judicial point,
    [and] appear intended to show how hip and contemporary the judge is . . . .” Noam
    Cohen, Courts Turn to Wikipedia, but Selectively, N.Y. Times, Jan. 29, 2007, available at
    http://www.nytimes.com/2007/01/29/technology/29wikipedia.html. The lead opinion’s
    citation to Wikipedia is obviously not of this type.
    20100462‐CA                                   9
    The Citation of Wikipedia in Judicial Opinions, 
    12 Yale J.L. & Tech. 1
     (2009–2010). While
    Wikipedia is gaining acceptance among judicial writers, Professor Peoples notes that
    reliance on Wikipedia has occasionally been held to be erroneous:
    [A]ppellate courts have reversed or found error in lower
    court decisions [for] relying on Wikipedia entries for
    psychological research in a child custody case, for
    attempting to refute expert medical testimony with a
    Wikipedia entry, and perhaps most egregiously for denying
    an asylum seeker’s request based on information obtained
    from Wikipedia.
    Id. at 45 (footnotes omitted) (citing Badasa, 
    540 F.3d at 909
    ; Campbell v. Secretary of Health
    & Human Servs., 
    69 Fed. Cl. 775
    , 781 (2006); D.M. v. Department of Children & Family
    Servs., 
    979 So. 2d 1007
    , 1010 (Fla. Dist. Ct. App. 2008), reh’g en banc granted (May 14,
    2008)).
    ¶18 Professor Peoples extracts from the case law “several bright line rules for when a
    Wikipedia entry should not be cited in a judicial opinion.” Id. at 28. For example, he
    suggests that “[c]ourts should not take judicial notice of Wikipedia content,” because
    that content “is disputable and its accuracy can be reasonably questioned.” Id. He also
    states that “Wikipedia should not be cited when a more authoritative source exists for
    the information.” Id. at 29. In particular, Wikipedia is a poor source “to define technical
    or scientific terms.” Id. at 46. And he cautions that “[a] Wikipedia entry should not be
    relied upon as the only basis for a court’s holding, reasoning, or logic,” given the
    encyclopedia’s “numerous shortcomings” discussed in his article. Id. at 29.3
    3. Among its shortcomings—and strengths—is Wikipedia’s fluidity. Anyone can edit a
    Wikipedia entry at any time, making it vulnerable to “‘opportunistic editing.’” See
    Noam Cohen, Courts Turn to Wikipedia, but Selectively, N.Y. Times, Jan. 29, 2007, available
    at http://www.nytimes.com/2007/01/29/technology/29wikipedia.html (quoting Professor
    Cass Sunstein). Thus, “‘an unscrupulous lawyer (or client) could edit the Web site entry
    to frame the facts in a light favorable to the client’s cause.’” Peoples, 12 Yale J.L. &
    Tech. at 24 (quoting R. Jason Richards, Courting Wikipedia, Trial, Apr. 2008, at 63).
    Opportunistic editing is detectable, however. Every article on Wikipedia has a
    “View history” tab with links to all previous edits, the dates of each edit, and the user
    name or IP address of each editor. The revision history also allows the reader to view
    an article in each of its previous iterations. By this method, we can see that the three
    (continued...)
    20100462‐CA                                   10
    ¶19 However, Professor Peoples acknowledges “some limited instances where it is
    appropriate for a Wikipedia citation to appear in a judicial opinion.” Id. at 30. Some are
    obvious, such as where the Wikipedia entry itself is at issue or where the court must
    address a Wikipedia entry cited by a party. See id. In addition, the evolving nature of
    Wikipedia “makes it a good source for definitions of new slang terms, for popular
    culture references, and for jargon and lingo including computer and technology terms.”
    Id. at 31 (citing “tweaking,” “phreakers,” and “screenshot”).
    ¶20 Relevant here, Professor Peoples also states that “Wikipedia entries can be useful
    in some limited situations . . . for getting a sense of a term’s common usage.” Id. at 50.
    In particular, he recognizes the utility of Wikipedia in the interpretation of terms
    appearing in insurance contracts:
    The collaborative process used to create Wikipedia
    entries makes them potentially useful to courts in specific
    situations. In several cases courts attempting to interpret
    insurance contracts have turned to Wikipedia entries for
    evidence of the common usage or ordinary and plain
    meaning of a contract term. This method of interpretation
    [i.e., looking to common usage] “has long been recognized,
    and has been applied in the context of various types of
    insurance.” Wikipedia has been used in this context to
    define the terms “recreational vehicle” and “car accident.”
    Id. at 32 (footnotes omitted) (quoting 2 Couch on Insurance § 22:38 (2005), and citing
    Laasmar v. Phelps Dodge Corp. Life, Accidental Death & Dismemberment & Dependent Life
    Ins. Plan, No. 06‐cv‐00013‐MSK‐MJW, 
    2007 WL 1613255
    , at *4 n.5 (D. Colo. June 1, 2007);
    Fergison v. Stonebridge Life Ins. Co., No. 271488, 
    2007 WL 286793
    , at *3 (Mich. Ct. App.
    Feb. 1, 2007) (per curiam)). See also Colony Nat’l Ins. Co. v. Hing Wah Chinese Rest., 
    546 F. 3
    . (...continued)
    possible meanings of the term “jet ski” discussed in the lead opinion were part of the
    Wikipedia article before the present dispute arose. See Wikipedia, Jet Ski,
    http://en.wikipedia.org/w/index.php?title=Jet_Ski&oldid=14710157 (as of June 3, 2005,
    06:32 GMT).
    Further, as Professor Peoples notes, “[a] database called WikiScanner allows a
    researcher to dig deeper into the revision of a Wikipedia article.” 
    Id.
     at 25 (citing
    WikiScanner, http://wikiscanner.virgil.gr/ (last visited by Peoples Dec. 16, 2009)).
    20100462‐CA                                  11
    Supp. 2d 202, 209 n.9 (E.D. Pa. 2008) (citing Wikipedia in a discussion of the meaning of
    the term “restaurant” in an insurance policy).
    ¶21 Of course, getting a sense of the common usage or ordinary and plain meaning of
    a contract term is precisely the purpose for which the lead opinion here cites Wikipedia.
    Our reliance on this source is therefore, in my judgment, appropriate. Moreover, here
    Wikipedia does not stand alone. As appellants note, the Macmillan online dictionary
    defines “Jet Ski” as “a very small fast boat for one or two people that you drive standing
    up.” Macmillan Dictionary, http://www.macmillandictionary.com/dictionary/
    american/Jet‐Ski (last visited Aug. 13, 2012).
    ¶22 Finally, we need not nail down the one true meaning of “jet ski” in this case.
    Whatever meaning the drafters of the insurance policy may have intended, our task is
    to determine whether they employed “language which clearly and unmistakably
    communicates . . . the specific circumstances under which the expected coverage will
    not be provided,” Alf v. State Farm Fire & Cas. Co., 
    850 P.2d 1272
    , 1275 (Utah 1993), or
    whether, on the contrary, there is “a range of possible meanings” that the term may
    bear in this context, see In re E.Z., 
    2011 UT 38
    , ¶ 103, 
    266 P.3d 702
     (Lee, J., concurring in
    part and concurring in the judgment). Whatever its shortcomings in other contexts, for
    this task, an open‐source encyclopedia with many editors and millions of readers seems
    just the ticket.
    ____________________________________
    J. Frederic Voros Jr.,
    Associate Presiding Judge
    20100462‐CA                                  12