State Farm Mutual Automobile Insurance v. Cavoto

34 A.3d 123, 2011 Pa. Super. 250, 2011 Pa. Super. LEXIS 3754
CourtSuperior Court of Pennsylvania
DecidedNovember 21, 2011
StatusPublished
Cited by5 cases

This text of 34 A.3d 123 (State Farm Mutual Automobile Insurance v. Cavoto) is published on Counsel Stack Legal Research, covering Superior Court of Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
State Farm Mutual Automobile Insurance v. Cavoto, 34 A.3d 123, 2011 Pa. Super. 250, 2011 Pa. Super. LEXIS 3754 (Pa. Ct. App. 2011).

Opinion

OPINION BY

STEVENS, P.J.:

Appellants, State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company, file this interlocutory appeal from the order entered in the Delaware County Court of Common Pleas, which denied Appellants’ post-trial motion for relief. On appeal, Appellants challenge the court’s decision to find in favor of Appellees, Robert J. Cavoto, Jr., Fishbone Advertising, Inc., Cavoto Chiropractors, P.C., Margaret Fisher-Catram-bone, Penn Center Pain Management, Inc., Tiprof, Inc., and International Health Alliance, Inc.,1 on Count I of Appellants’ amended complaint regarding Appellants’ obligation to pay for services provided by unlicensed chiropractic personnel. We hold that the Chiropractic Practice Act (“CPA”)2 and the Motor Vehicle Financial Responsibility Law (“MVFRL”)3 permit licensed chiropractors to delegate certain adjunctive procedures to unlicensed support personnel and seek reimbursement from insurers, as long as such procedures are performed under the direct supervision of a licensed chiropractor. However, such determinations must be made on a case-by-case basis, in which the trial court must evaluate whether the procedure, or an aspect of the procedure in question, requires formal education or training in the practice of chiropractic. Accordingly, we affirm in part, vacate in part, and remand.

[125]*125The facts of this case are largely not in dispute. For a period of time, Appellants reimbursed Appellees for certain adjunc-tive procedures which Appellants later learned were performed by unlicensed members of the support staff. These procedures involved applying hot and cold packs, turning on and off a mechanical, intersegmental, traction machine, assisting in therapeutic exercise, providing electrical muscle stimulation, utilizing the ultrasound machine, and administering hydrotherapy and paraffin.4 Appellants filed a complaint, then an amended complaint, alleging insurance fraud and unjust enrichment, and seeking restitution. Appellants also sought a declaratory judgment that the CPA and MVFRL do not provide for insurers to pay for services performed by unlicensed personnel.5 The trial court bifurcated the claims and held a hearing on, inter alia, the declaratory-judgment claim involving unlicensed support personnel.

The court found in Appellees’ favor on July 13, 2009. Appellants filed post-trial motions on July 31, 2009, then filed two notices of appeal on August 6, 2009, both of which this Court subsequently quashed sua sponte.6 Appellants also filed, on August 6, a petition for determination of finality pursuant to Pennsylvania Rule of Civil Procedure 341(B)-(C). The trial court originally denied the petition, but subsequently amended the order after Appellants petitioned the court to certify the appeal as an appealable interlocutory order pursuant to Pennsylvania Rule of Appellate Procedure 311. The court thus deemed the appeal interlocutory on September 4, 2009.

On September 24, 2009, the court formally denied Appellants’ motion for post-trial relief. On October 8, 2009, however, the court amended the order, indicating that it granted Appellants’ request to file post-trial motion nunc pro tunc, but denied the motion nonetheless. Appellants filed the instant notice of appeal on October 21, 2009. The trial court ordered, and Appellants timely filed, a Pennsylvania Rule of Appellate Procedure 1925(b) statement. The court filed a responsive opinion, relying in large part on an unpublished memorandum filed by the United States District Court from the Eastern District of Pennsylvania, State Farm Mut. Auto. Ins. Co. v. All-Care Chiropractic, 2004 WL 1446033 (E.D.Pa.2004) (memorandum), which predicted “that the Pennsylvania Supreme Court would interpret [63 P.S.] Section [625.]601 to permit licensed chiropractors to delegate adjunc-tive procedures to unlicensed supportive personnel performing under their direct on-premises supervision.”7 Id. at *5.

On appeal, Appellants contend that the CPA and MVFRL do not permit chiropractors to collect payment for services provided by unlicensed personnel. They claim that chiropractors may not delegate any adjunctive procedures to unlicensed assistants. They assert that a plain interpretation of the statutes, their legislative history, and the legislative intent indicate that all adjunctive procedures are to be performed by licensed chiropractors. Ap[126]*126pellants thus conclude that they are not obligated to compensate Appellees for such delegated services. We disagree.

Appellants’ issue involves the interpretation of various statutes. Thus, the issue involves a question of law, for which we employ a de novo standard of review, and our scope of review is plenary. Scott v. Shay, 928 A.2d 312, 313 (Pa.Super.2007). “In order to determine the relationship between [ ] two provisions ... a review of the general principles of statutory con-sti'uction is appropriate.” Commonwealth v. Tareila, 895 A.2d 1266, 1269 (Pa.Super.2006).

When we undertake statutory interpretation, our object is to ascertain and then effectuate the intention of the Legislature. 1 Pa.C.S.A. § 1921(a). When possible, this Court construes every statute so as to give effect to all of its provisions. Id. If the terms of a statute are clear and free of all ambiguity, we will not disregard the letter of the law in favor of pursuing its apparent spirit. Id. at (b). However, when the words of a statute are not explicit, this Court must determine what it was that the General Assembly intended. Id. at (c). We then apply the legislators’ intent when interpreting the law in question. See id. at (a), (b), (c).
When determining legislative intent, there are a number of factors that may be helpful. See 1 Pa.C.S.A. § 1921(c) (listing factors to consider). Among these are the occasion, necessity and circumstances of the enactment of the statute, the mischief to be remedied and the object to be attained thereby. Also important are the consequences of our interpretation. More specifically, we must consider whether that interpretation furthers the Legislature’s purpose. See id,.

Scott, 928 A.2d at 313-14 (some citations omitted).

The relevant statute in the MVFRL provides:

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 as follows:
(1) Medical benefit. — Subject to the limitations of section 1797 (relating to customary charges for treatment), coverage to provide for reasonable and necessary medical treatment and rehabilitative services, including, but not limited to ... chiropractic ... all without limitation as to time, provided that, within 18 months from the date of the accident causing injury, it is ascertainable with reasonable medical probability that further expenses may be incurred as a result of the injury.

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Cite This Page — Counsel Stack

Bluebook (online)
34 A.3d 123, 2011 Pa. Super. 250, 2011 Pa. Super. LEXIS 3754, Counsel Stack Legal Research, https://law.counselstack.com/opinion/state-farm-mutual-automobile-insurance-v-cavoto-pasuperct-2011.