Colon v. Aetna Casualty & Surety Co.

64 A.D.2d 498, 410 N.Y.S.2d 634, 1978 N.Y. App. Div. LEXIS 12878
CourtAppellate Division of the Supreme Court of the State of New York
DecidedNovember 20, 1978
StatusPublished
Cited by5 cases

This text of 64 A.D.2d 498 (Colon v. Aetna Casualty & Surety Co.) is published on Counsel Stack Legal Research, covering Appellate Division of the Supreme Court of the State of New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Colon v. Aetna Casualty & Surety Co., 64 A.D.2d 498, 410 N.Y.S.2d 634, 1978 N.Y. App. Div. LEXIS 12878 (N.Y. Ct. App. 1978).

Opinion

OPINION OF THE COURT

Hopkins, J. P.

This appeal presents a question of the interpretation of the Comprehensive Automobile Insurance Reparations Act—the "no-fault” statute (Insurance Law, art 18). The question, briefly stated, is whether a driver who alights from his disabled automobile, walks along the highway and is struck by a passing automobile, is entitled to first-party benefits under the insurance policy covering the offending automobile pursuant to the provisions of the no-fault statute.

The plaintiff instituted this action for a declaratory judgment adjudicating that the defendant, the insurer of the automobile which hit him, is responsible for the payment of no-fault benefits. After a trial, Trial Term held that the plaintiff was not entitled to those benefits, finding that he was an occupant of his disabled vehicle and therefore, under the cases construing article 17-A of the Insurance Law (the Motor Vehicle Accident Indemnification Corporation Law [MVAIC Law]), he was excepted from the operation of the no-fault statute.

We do not agree. The provisions and policy of the no-fault statute differ from the MVAIC Law and must be given a construction favoring the plaintiff as a beneficiary of first-party payments. Accordingly, the judgment should be reversed and judgment directed on behalf of the plaintiff, declaring that the defendant is responsible to him under the no-fault statute.

I

The facts essentially are not in dispute. On the evening of November 12, 1976, the plaintiff was operating an automobile on the Grand Central Parkway. According to the testimony, the car’s hood "flew up and it smashed into the windshield and it blocked the view.” The plaintiff stopped the vehicle and he and his two passengers alighted to inspect the damage. They found that the windshield was shattered at eye level and they could not close the hood.

Finally, one of the passengers drove the car partly on the center median, so that the two left wheels rested on the median and the two right wheels remained on the highway. [500]*500The plaintiff and his companions then attempted to give warning to oncoming traffic by flagging approaching vehicles. About 15 or 20 minutes after the time that the car had become disabled, the plaintiff, who was then about five to six feet to the rear of the car, was struck by an automobile operated by one Conwell.1 Conwell’s automobile was insured by the defendant.

Thereafter, the plaintiff filed a claim with the defendant for first-party benefits under the no-fault statute. The defendant denied the claim. This action for a declaratory judgment was then commenced.

II

The plaintiff’s claim is that he was a pedestrian at the time of the accident. He argues that the no-fault statute defines a "covered person”, among others, as "any pedestrian injured through the use or operation of * * * a motor vehicle” which is insured under the Vehicle and Traffic Law (Insurance Law, § 671, subd 10). A "covered person” is entitled to "first party benefits” provided under the no-fault statute (Insurance Law, § 671, subd 2).

However, the defendant points out that the succeeding section of the no-fault statute does not correspond to the quoted language of subdivision 10 of section 671 of the Insurance Law. Thus, subdivision 1 of section 672 prescribes that "[ejvery owner’s policy of liability insurance issued on a motor vehicle * * * shall be liable for; [sic] the payment of first party benefits to: (a) persons, other than occupants of another motor vehicle * * * for loss arising out of the use or operation in this state of such motor vehicle”. The defendant contends, noting the absence of the word "pedestrian” from section 672 (subd 1, par [a]), that the plaintiff was an occupant of another • motor vehicle and thus is excepted from the receipt of first-party benefits.

The defendant reinforces its argument by citing a series of cases interpreting the MVAIC Law. The MVAIC Law, in dealing with "hit-and-run” accidents, provides that its protec[501]*501tion "shall not apply to any cause of action by an insured or qualified person arising out of a motor vehicle accident occurring in this state lying against a person or persons whose identity is unascertainable, unless the bodily injury * * * arose out of physical contact of the motor vehicle * * * with the insured or qualified person or with a motor vehicle which the insured or qualified person was occupying at the time of the accident” (Insurance Law, § 617). Section 617 then defines "occupying” as "in or upon or entering into or alighting from.” Because of its sentence structure, embodying a negative rather than an affirmative form toward coverage, section 617 of the Insurance Law requires parsing: it must be stressed that under analysis it extends rather than excludes coverage under the MVAIC Law with respect to persons who are occupants as that word is defined. Here it is to be noted that the defendant cites its construction of section 617 of the Insurance Law to withhold coverage from the plaintiff.

In support of the argument that the plaintiff was an occupant of his disabled car, the defendant invokes the authority of cases which have upheld coverage under section 617 (Matter of Rice v Allstate Ins. Co., 32 NY2d 6; Matter of State-Wide Ins. Co. v Murdock, 31 AD2d 978, affd 25 NY2d 674; Matter of Cepeda v United States Fid. & Guar. Co., 37 AD2d 454; Matter of MVAIC v Oppedisano, 41 Misc 2d 1029). Two of the cases cited involve parties who were passengers of an automobile which, for one reason or another, was parked on the side of a highway and who had alighted from the automobile.

In Matter of State-Wide Ins. Co. v Murdock (31 AD2d 978, supra), Murdock was a passenger in a stalled panel truck. He had alighted and walked around the truck, when he was hit by a passing vehicle within four or five seconds from the time he left the truck. We held that under section 617 of the Insurance Law, he was "occupying” the truck (supra, p 979) and, accordingly, was entitled to the protection of the MVAIC Law, a conclusion affirmed by the Court of Appeals.

In Matter of Cepeda v United States Fid. & Guar. Co. (37 AD2d 454, supra), the decedents were passengers of a car parked on the side of the highway. The decedents departed from the car to join the driver, who was talking with the driver of another car concerning a disputed accident between the two cars. A third car struck the decedents while they were in the highway, killing them. The Appellate Division, First [502]*502Judicial Department, held that the decedents did not cease to be occupants under section 617 of the Insurance Law on account of a "temporary interruption in the journey of the vehicle, as when there is a mechanical failure and the passenger gets out to help or even to observe the work of the driver” (supra, p 455).

The question, consequently, is whether the meaning applied to an alighting passenger as an "occupant” within the provisions of section 617 of the Insurance Law must be impressed upon the provisions of the no-fault statute.

Ill

The Trial Term, in a thoughtful opinion reviewing the precedents cited by the defendant, reasoned that the plaintiff had alighted from his vehicle during its disability and was standing in the highway in connection with its disability.

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64 A.D.2d 498, 410 N.Y.S.2d 634, 1978 N.Y. App. Div. LEXIS 12878, Counsel Stack Legal Research, https://law.counselstack.com/opinion/colon-v-aetna-casualty-surety-co-nyappdiv-1978.