Smith v. Erie Insurance Group

19 Pa. D. & C.4th 449, 1993 Pa. Dist. & Cnty. Dec. LEXIS 177
CourtPennsylvania Court of Common Pleas, Mercer County
DecidedAugust 2, 1993
Docketno. 375 C.D. 1993
StatusPublished

This text of 19 Pa. D. & C.4th 449 (Smith v. Erie Insurance Group) is published on Counsel Stack Legal Research, covering Pennsylvania Court of Common Pleas, Mercer County primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Smith v. Erie Insurance Group, 19 Pa. D. & C.4th 449, 1993 Pa. Dist. & Cnty. Dec. LEXIS 177 (Pa. Super. Ct. 1993).

Opinion

FORNELLI, P.J.,

On May 27,1992, plaintiff suffered various injuries1 when a vehicle that [450]*450he was operating was struck by bullets fired into his vehicle.2 Although plaintiff was not hit by any of the bullets, he was hit by flying glass fragments, which were a direct result of the bullets’ entry into plaintiff’s vehicle.

Plaintiff filed an action for declaratory judgment against the defendant, his auto insurance carrier; on March 8,1993, when defendant refused to pay plaintiff’s medical bills which arose out of this incident. Plaintiff alleges he was wrongly denied coverage for his injuries because of defendant’s contention that his injuries “did not arise out of any activity connected to the operation or maintenance of his vehicle.” (Complaint, para. 7.)

Defendant filed an answer which avers that plaintiff’s medical bills were not paid because there was “no causative factor between the use of the vehicle and the injuries sustained, viz, it was not a vehicle-caused injury; [and] it was not that vehicle or its use that caused his injuries.” Now before this court is plaintiff’s motion for judgment on the pleadings3 in which the defendant joins.

Pa.R.C.P. 1034 permits any party to make a motion for judgment on the pleadings only “[a]fter the pleadings are closed, but within such time as not to delay trial....” “A motion for judgment on the pleadings should be granted only where the pleadings demonstrated that no genuine issue of facts exists, and the moving party is entitled to judgment as a matter of law.” Kelly v. [451]*451Nationwide Insurance Co., 414 Pa. Super. 6, 606 A.2d 470 (1992).

Pennsylvania’s Motor Vehicle Financial Responsibility Law, (hereinafter MVFRL) 75 Pa.C.S. §1712 requires in relevant part that:

“An insurer issuing or delivering liability insurance policies covering any motor vehicle of the type required to be registered under this title,... shall make available for purchase first-party benefits with respect to injury arising out of the maintenance or use of a motor vehicle....”

In accordance with section 1712 of the MVFRL, the policy issued by defendant, Erie Insurance Group,4 to the plaintiff provides the plaintiff with the following coverage under the headings “First-Party Benefits” and “Our Promise”:

“As selected in accordance with the Pennsylvania Motor Vehicle Financial Responsibility Law, as amended, we will pay for:

“(1) medical expense,

“(2) funeral expenses, and

“(3) income loss,

“arising from bodily injury to any person we protect due to an accident resulting from the maintenance or use of a motor vehicle as a vehicle. We will pay these benefits no matter who is at fault in the accident.” (Complaint, exhibit A.)

Thus, the sole determinative issue in this case is whether the plaintiff’s injuries arose out of the maintenance or use of a motor vehicle.

[452]*452The MVFRL does not define the phrase “maintenance or use of a motor vehicle.” We look, therefore, to the decisions under the now repealed No-Fault Motor Vehicle Insurance Act, 40 Pa.C.S. §1009.101 et. seq., for assistance in interpreting this phrase under the MVFRL and plaintiff’s insurance policy. See Cummings v. State Farm Mutual Automobile Insurance Co., 408 Pa. Super. 381, n.3, 596 A.2d 1138, n.3 (1991).

Cummings quotes a prior Pennsylvania Superior Court decision which stated:

“It is beyond cavil that first-party benefits are not paid simply because an injury occurs in or around a motor vehicle. We must keep in mind that the MVFRL, like the No-Fault Act before it, is not a general liability insurance intended to cover all injuries, no matter how remotely connected with the use or maintenance of a motor vehicle, but is intended to cover motor vehicle accidents. Camacho v. Nationwide Insurance Co., 314 Pa. Super. 21, 460 A.2d 353 (1983), aff’d , 504 Pa. 351, 473 A.2d 1017 (1984). Automobile insurance is designed to compensate for vehicle-caused injuries. Smith v. United Services Automobile Association, 392 Pa. Super. 248, 572 A.2d 785 (1990). There must be some causal connection between the motor vehicle and the injury before the motor vehicle insurer is required to pay first-party benefits. Roach v. Port Authority of Allegheny Co., 380 Pa. Super. 28, 550 A.2d 1346 (1988).” Cummings, 596 A.2d at 1139, quoting Huber v. Erie Insurance Exchange, 402 Pa. Super. 443, 446-47, 587 A.2d 333, 334-35 (1991). The Pennsylvania Superior Court has also stated that:

“The legislative scheme contained in the No-Fault Act is to provide, at reasonable cost, a statewide system of protection and compensation for individuals injured as [453]*453a result of motor vehicle accidents, irrespective of fault. This purpose cannot reasonably be construed to encompass protection for injuries which are totally unconnected with an insured vehicle or so remotely connected therewith that the role of the vehicle has been merely incidental.” Howe v. Harleysville Insurance Companies, 313 Pa. Super. 65, 67-68, 459 A.2d 412, 413 (1983).

The injuries of the plaintiff here were only remotely connected to the insured vehicle and can only be properly characterized as merely incidental to the vehicle. Although the “causal connection need not rise to the level of proximate causation, for purposes of coverage under the No-Fault Act there must be some connection more than mere chance or happenstance....” Metzel v. State Farm Mutual Auto Insurance Co., 389 Pa. Super. 30, 33, 566 A.2d 600, 602 (1989), quoting Schweitzer v. Aetna Life and Casualty Co., 306 Pa. Super. 300, 303, 452 A.2d 735, 737 (1982).

This case is factually analogous to Erie Insurance Exchange v. Eisenhuth, 305 Pa. Super. 571, 451 A.2d 1024 (1982) and Howe, 313 Pa. Super. 65, 459 A.2d 412, both of which involved injuries to passengers resulting from bullets being fired into moving vehicles.

In Eisenhuth the plaintiff, a passenger, was shot by a policeman, who was pursuing the driver of the vehicle.

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Related

Howe v. HARLEYSVILLE INS. COMPANIES
459 A.2d 412 (Superior Court of Pennsylvania, 1983)
Roach v. Port Auth. of Allegheny Cty.
550 A.2d 1346 (Supreme Court of Pennsylvania, 1988)
Schweitzer v. Aetna Life & Casualty Co.
452 A.2d 735 (Superior Court of Pennsylvania, 1982)
Smith v. United Services Automobile Ass'n
572 A.2d 785 (Supreme Court of Pennsylvania, 1990)
Metzel v. State Farm Mutual Automobile Insurance Co.
566 A.2d 600 (Supreme Court of Pennsylvania, 1989)
Cummings v. State Farm Mutual Automobile Insurance Co.
596 A.2d 1138 (Superior Court of Pennsylvania, 1991)
Huber v. Erie Insurance Exchange
587 A.2d 333 (Superior Court of Pennsylvania, 1991)
Erie Insurance Exchange v. Eisenhuth
451 A.2d 1024 (Superior Court of Pennsylvania, 1982)
Camacho v. Nationwide Insurance
460 A.2d 353 (Superior Court of Pennsylvania, 1983)
Kelly v. Nationwide Insurance
606 A.2d 470 (Superior Court of Pennsylvania, 1992)

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Bluebook (online)
19 Pa. D. & C.4th 449, 1993 Pa. Dist. & Cnty. Dec. LEXIS 177, Counsel Stack Legal Research, https://law.counselstack.com/opinion/smith-v-erie-insurance-group-pactcomplmercer-1993.