Connolly v. Galvin

Citation412 A.2d 428,120 N.H. 219
Decision Date13 March 1980
Docket NumberNo. 79-320,79-320
PartiesJames CONNOLLY v. Michael GALVIN et al.
CourtSupreme Court of New Hampshire

Craig, Wenners, Craig & McDowell, Manchester (Joseph F. McDowell, Manchester, orally), for plaintiff.

Wadleigh, Starr, Peters, Dunn & Kohls, Manchester (Theodore Wadleigh, Manchester, orally), for defendants.

GRIMES, Chief Justice.

The issue in this case is whether the evidence supports the trial court's determination that Michael Galvin was not a resident of his mother's household within the meaning of the defendant Travelers Insurance Company's policy at the time of the accident in which plaintiff was injured. We hold that it does.

On October 12, 1976, plaintiff was the only passenger in an automobile which was owned by one Ramish but being operated by defendant, Michael Galvin when it left the road and collided with various trees. Plaintiff was injured and brought suit against Michael Galvin seeking to recover damages.

Defendant Marilyn Galvin is the mother of Michael and two other children and maintained a home at 3 Fernand Street in Manchester. In 1974, she purchased a motor vehicle liability policy from Travelers Insurance Companies. At that time, all three children lived with her at 3 Fernand Street. The renewal of that policy was in effect at the time of the referred-to accident. The policy covered as "insureds", with respect to a non-owned automobile, "any relative" which was defined as "a relative of the named insured who is a resident of the same household."

The insurance company denied coverage deeming that Michael Galvin was not a member of his mother's household at the time of the accident. Plaintiff brought this petition for declaratory action to determine coverage. The matter was heard by the court which determined that Michael was not a member of his mother's household at the time of the accident. Plaintiff's exceptions were transferred by Wyman, J.

The court found that on the day of the accident, Michael Galvin was a resident of premises rented and occupied by him under a written lease and located on New Boston Road in Bedford, New Hampshire, and that his decision to take up residence there reflected an intention not to return to or resume his former residence in his childhood room but to reside in his own place. It was further found that this intention was confirmed by plaintiff's testimony that his resumption of residence with his mother after the expiration of his lease was only until he could find another place to live.

Requests to find that Michael resided at 3 Fernand Street and was a member of the same household as Marilyn Galvin were denied. The evidence supports all these findings. Although Michael continued to list 3 Fernand Street as his residence on his license and...

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15 cases
  • Vaiarella v. Hanover Ins. Co.
    • United States
    • United States State Supreme Judicial Court of Massachusetts Supreme Court
    • March 11, 1991
    ...Mich.App. at 680-681, 333 N.W.2d 322; Holyoke Mut. Ins. Co. v. Carr, 130 N.H. 698, 699-700, 546 A.2d 1070 (1988); Connolly v. Galvin, 120 N.H. 219, 220, 412 A.2d 428 (1980); Grange Ins. Ass'n., supra 38 Wash.App. at 10, 684 P.2d 744. In all of these cases, however, the child had lived with ......
  • Freudenberger v. Allstate Ins. Co., 96-0452-IEG (LSP).
    • United States
    • U.S. District Court — Southern District of California
    • September 19, 1996
    ...1428 (3rd Cir.1991) (applying Pennsylvania law); Allstate Ins. Co. v. Patterson, 231 Va. 358, 344 S.E.2d 890 (1986); Connolly v. Galvin, 120 N.H. 219, 412 A.2d 428 (1980). ...
  • V & V Corp. v. American Policyholders' Ins. Co.
    • United States
    • New Hampshire Supreme Court
    • October 30, 1985
    ...extent relevant and required, this court is the final arbiter of the interpretation of a policy of insurance. Connolly v. Galvin, 120 N.H. 219, 221, 412 A.2d 428, 429 (1980). We are unable to agree with the trial court's characterization of the entirety of the plaintiffs' policy as one of f......
  • A.J. Cameron Sod Farms, Inc. v. Cont'l Ins. Co.
    • United States
    • New Hampshire Supreme Court
    • September 18, 1997
    ...ultimately determines the proper construction and interpretation of contracts such as insurance policies. See Connolly v. Galvin , 120 N.H. 219, 221, 412 A.2d 428, 429 (1980). "We construe the language of an insurance policy as would a reasonable person in the position of the insured based ......
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