Ezawa v. Yasuda Fire & Marine Ins. Co. of Am.

1999 Ohio 124, 86 Ohio St. 3d 557

Opinion

[This opinion has been published in Ohio Official Reports at 86 Ohio St.3d 557.]

EZAWA, A MINOR, ET AL., APPELLANTS, v. YASUDA FIRE & MARINE INSURANCE COMPANY OF AMERICA, APPELLEE. [Cite as Ezawa v. Yasuda Fire & Marine Ins. Co. of Am., 1999-Ohio-124.] Automobile liability insurance—Underinsured motorist coverage—R.C. 3937.18— Scope of coverage of employer’s commercial automobile liability policy for employee’s child injured in an accident. (No. 98-1686—Submitted June 22, 1999—Decided September 22, 1999.) APPEAL from the Court of Appeals for Franklin County, No. 97APE10-1343. __________________ Schottenstein, Zox & Dunn, Kris M. Dawley and Edwin L. Skeens, for appellants. Ulmer & Berne, L.L.P., Alexander M. Andrews and Margaret C. Bettendorf, for appellee. __________________ {¶ 1} The discretionary appeal is allowed. {¶ 2} The judgment of the court of appeals is reversed on the authority of Scott-Pontzer v. Liberty Mut. Fire Ins. Co. (1999), 85 Ohio St.3d 660, 710 N.E.2d 1116. MOYER, C.J., DOUGLAS, RESNICK, F.E. SWEENEY, PFEIFER and COOK, JJ., concur. LUNDBERG STRATTON, J., dissents. __________________ LUNDBERG STRATTON, J., dissenting. {¶ 3} I respectfully dissent for the reasons set forth in my dissenting opinion in Scott-Pontzer v. Liberty Mut. Fire Ins. Co. (1999), 85 Ohio St.3d 660, 667, 710 N.E.2d 1116, 1121. SUPREME COURT OF OHIO

{¶ 4} Koichiro Ezawa, a minor, was injured in an accident while a passenger in an automobile driven by Diedre Soler. Ezawa’s damages exceeded the $250,000 per person limit of Soler’s liability insurance policy. At the time of the accident, Ezawa’s father, Fumiko Ezawa, was employed by Tomasco Mulciber, Inc. (“Tomasco”). Tomasco had a business automobile insurance policy issued by appellee Yasuda Fire & Marine Insurance Company of America (“Yasuda”). Although Ezawa was injured by a third party who was not a Tomasco employee and was not in a vehicle covered by Tomasco’s insurance policy, Ezawa and his father, nevertheless, made an underinsured motorists (“UIM”) claim against the Yasuda policy issued to Fumiko Ezawa’s employer. {¶ 5} The trial court granted Yasuda’s motion for judgment on the pleadings because, based on the unambiguous language in the Yasuda policy, Koichiro was not an “insured” as that term is defined in the policy. The court of appeals affirmed. {¶ 6} The Yasuda policy was issued to a corporation. According to the language of the policy, UIM coverage extends to family members of the insured only if the named insured is an individual. Here, it is not. Yet the majority applies its convoluted reasoning in Scott-Pontzer to once again extend the reach of UIM coverage. Now a corporate policy must afford UIM coverage to an employee’s minor son who was injured by a non-employee while riding in a non-covered vehicle and whose injuries had nothing to do with the corporation’s business. {¶ 7} Pandora’s Box continues to release its contents. __________________