Northwestern Engineering Co. v. Rooks

443 P.2d 977, 166 Colo. 297, 1968 Colo. LEXIS 704
CourtSupreme Court of Colorado
DecidedJuly 15, 1968
DocketNo. 21996; No. 21998
StatusPublished

This text of 443 P.2d 977 (Northwestern Engineering Co. v. Rooks) is published on Counsel Stack Legal Research, covering Supreme Court of Colorado primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Northwestern Engineering Co. v. Rooks, 443 P.2d 977, 166 Colo. 297, 1968 Colo. LEXIS 704 (Colo. 1968).

Opinion

Opinion by

Mr. Justice Groves.

This is an action for damages resulting from the alleged wrongful death of Russell Rooks, hereinafter referred to as Rooks. The plaintiffs, herein referred to as such, are the widow and two sons of Rooks. Reference is made to the other parties as follows: Northwestern Engineering Company as Northwestern, Western Casualty and Surety Company as Western Casualty, and John Sheets as Sheets.

Northwestern was engaged in highway construction near Durango, Colorado. It had ordered concrete pipe from a supplier and had instructed it to include a pipe hook with the shipment. The pipe was delivered to the job site by Kerr Truck Company, hereinafter referred to as Kerr, on Kerr’s truck driven by Rooks, Kerr’s employee. The pipe was to be unloaded with Northwestern’s crane, which at the time of the arrival of the pipe [300]*300Northwestern was using as a dragline, i.e., was digging with a bucket. This bucket was connected with a shackle to the cable which proceeded over and down from the sheave wheel at the top end of the crane boom. Upon the arrival of Rooks with the load of pipe, the bucket was detached and the crane brought to the place at which the pipe was to be unloaded. Northwestern’s foreman, Rowe, told Rooks where to park the truck. When the crane was placed in position behind the truck, its cab and boom were facing away from the truck. Rowe inquired of Rooks as to whether he had brought the pipe hook, and Rooks replied in the affirmative. Rowe, Rooks and Brown, who was employed by Northwestern as an oiler on the crane, brought the hook from behind the cab of the truck to the rear of the truck. For connection of the hook it was concluded to use the shackle attached to the crane cable rather than the shackle attached to the hook; so Brown and Rooks commenced removal of the shackle from the hook, with Rowe watching.

Sheets, Northwestern’s crane operator, rotated the cab and boom in order to place the boom in position for unloading. As the boom approached the men working on the hook, Rooks took a few steps toward the crane cable, and grabbed it. By that time the boom had come in contact with a power line and Rooks was electrocuted when he touched the cable.

Kerr was insured by Western Casualty under a policy which provided for the payment of all sums which the “insured” should be legally obligated to pay as damages because of use of the truck. Among the definitions of “insured” was that of “any person while using the automobile,” and the policy provided that “Use of the automobile for the purposes stated includes the loading and unloading thereof.”

Plaintiffs brought the action against Northwestern and Sheets, alleging negligence on the part of each. Northwestern and Sheets brought Western Casualty into the case by separate third party complaints, alleging that [301]*301under Western Casualty’s policy on the Kerr truck, Western Casualty should have taken over defense of the case and should pay any judgment that might be recovered by the plaintiffs. Northwestern filed a cross-claim against Sheets for judgment against him for whatever might be recovered against Northwestern. The case was tried to the court without a jury and judgment was rendered in favor of the plaintiffs and against Northwestern and Sheets in the amount of $25,000 plus interest from the date of filing of the action. The trial court ruled in favor of Western Casualty with respect to the claims of Northwestern and Sheets and in favor of Sheets with respect to the claim against him by Northwestern. To review these rulings, Northwestern sued out a writ of error. Sheets sued out a similar writ of error and the two proceedings were consolidated.

Northwestern has presented three questions:

(1) Whether Western Casualty is liable to it.

(2) Whether the judgment should be in an amount not in excess of $10,000 by virtue of the Colorado Employers Liability Act as then in effect.

(3) Whether Northwestern should recover against Sheets.

We answer each question in the negative.

I.

One portion of Western Casualty’s brief seems to imply that operation or use of the truck would have to be involved in order for Northwestern to be an “insured” under the policy and, even if “unloading” had commenced, the negligent operation of the crane could not be considered use of the truck. We do not pass on this and, for the purpose of this decision, assume that, if Northwestern had commenced the “unloading” of the pipe, it would be insured under the Western Casualty policy. Therefore, the answer to the first question depends upon the correctness of the trial court’s finding that “unloading” by Northwestern, as the term is used in the policy, had not yet commenced.

[302]*302Many of the cases cited in the briefs are to be found in the annotations appearing in 160 A.L.R. 1259 and 95 A.L.R.2d 1122. Most of the cases, and all but two of those cited by Northwestern, involve negligence of the named insured. Nearly all of the cases which involve unloading are concerned with whether the unloading operation had terminated by the time of the accident.

The annotations and cases bring out three things:

(1) There are two doctrines, namely, the “coming to rest” doctrine and the “complete operation” doctrine;

(2) as is generally true in the construction and interpretation of insurance contracts, the intention of the parties to the contract is controlling; and

(3) that each case must be decided upon an ad hoc basis.

Under the “coming to rest” doctrine, “unloading” comprises only the actual removing or lifting of the article from the loaded vehicle to the moment when it again comes to rest. The “complete operation” doctrine embraces the entire process involved in the movement of goods from the time they are given into the insured’s possession until the insured has completed delivery thereof. See Annot., 95 A.L.R.2d 1129. Under either doctrine there must be some act on the part of a person, other than the named insured, to cause commencement of coverage of such person. It is urged that coverage of Northwestern was in effect while the boom was being swung around because this was a preparatory step to unloading. If this be true, then coverage must have commenced at the time the crane ceased digging and detachment of the bucket was commenced; and, if then one of Northwestern’s employees on the crane negligently operated it, causing injury or death to someone, Northwestern would be insured by Western Casualty with respect to the matter. We do not believe that this was the intent of the provisions of the policy.

The trial court found that “unloading” could not commence until the pipe hook had been attached to the [303]*303crane cable. This finding must of necessity be with respect to the acts of Northwestern in the operation of the crane. So far as the crane operation was concerned, the removal of the hook from the truck did not mark the commencement of “unloading”; and, for there to be a causative relationship of the crane to the insurance coverage of one other than the named insured, the pipe hook first would have had to have been attached. See Travelers Insurance Company v. Buckeye Union Casualty Company, 172 Ohio St. 507, 178 N.E.2d 792.

II.

Northwestern contends that, under the authority of Jacobson v. Doan, 136 Colo.

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Bluebook (online)
443 P.2d 977, 166 Colo. 297, 1968 Colo. LEXIS 704, Counsel Stack Legal Research, https://law.counselstack.com/opinion/northwestern-engineering-co-v-rooks-colo-1968.