Crespo v. Topi
Decision Date | 29 December 2003 |
Docket Number | No. 2200,2200 |
Citation | 840 A.2d 156,154 Md. App. 391 |
Parties | Crystal CRESPO v. Robert TOPI, et al. |
Court | Court of Special Appeals of Maryland |
Brian Bennett (Law Offices of Terziu & Bennett, on the brief), Baltimore, for Appellant.
George H. Falter, III (Allstate Insurance Company, on the brief), Baltimore, for Appellee.
Panel SALMON, KENNEY and CHARLES E. MOYLAN, JR., (Retired, specially assigned), JJ.
Crystal Crespo ("Crespo") appeals from an order of the Circuit Court for Baltimore County, dismissing one count of her complaint for failure to state a claim. On appeal, Crespo asks one question that we have reworded:
Did the circuit err as a matter of law in determining that a moped is not a motor vehicle under Md.Code , § 19-509 of the Insurance Article ("Ins.")?
Answering "no," we affirm the judgment of the circuit court.
Crespo was a passenger on a moped operated by Robert Topi ("Topi"). According to the complaint, Topi "ran a stop sign and entered the intersection into the path" of a motor vehicle operated by Paul Joseph Chaney, "causing Chaney's vehicle to strike the moped." Crespo suffered physical injuries when she was thrown from the moped.
In January 2002, Crespo filed a two count complaint, naming as defendants, Topi and Allstate Insurance Company ("Allstate"). In the first count, she sought damages for injuries sustained as a result of Topi's negligence. In the count at issue ("Count II"), Crespo sought damages from Allstate for breach of contract, averring:
Allstate moved to dismiss Count II, arguing that Crespo was not entitled to uninsured motorist coverage because a moped is not a "motor vehicle" under Ins. § 19-509. Allstate relied upon Md.Code (1977, 2002 Repl.Vol.), § 11-134.1 of the Transportation Article ("Transportation"), which defines a moped, in pertinent part, as a "bicycle that: (1) Is designed to be operated by human power with the assistance of a motor." (Emphasis supplied.) Because Ins. § 19-501(b)(1) defines a motor vehicle as a "vehicle ... that is operated or designed for operation ... by any power other than ... muscular power," Allstate contended that a moped is not a motor vehicle. Following a hearing, the circuit court dismissed Count II for failure to state a claim.
In July 2002, Crespo filed an amended complaint, adding Wardell Jones, Jr. ("Jones") as a defendant. Crespo alleged that Jones, the owner of the moped, had negligently entrusted it to Topi. After entering orders of default against Topi and Jones, the circuit court conducted an inquisition hearing and entered judgments against Topi and Jones, jointly and severally, in the amount of $15,638.78. This timely appeal followed.
In Maryland, every motor vehicle liability insurance policy must provide uninsured motorist coverage for the "protection of the motoring public."1 Langston v. Allstate Ins. Co., 40 Md.App. 414, 436, 392 A.2d 561 (1978); Ins. § 19-509. The purpose of the legislation "is to assure financial compensation to the innocent victims of motor vehicle accidents who are unable to recover from financially irresponsible uninsured motorists." Wright v. Allstate Ins. Co., 128 Md.App. 694, 699, 740 A.2d 50 (1999). The legislation is remedial in nature and should be liberally construed in order to "effectuate its purpose of assuring recovery for innocent victims of motor vehicle accidents." State Farm Mut. Auto. Ins. Co. v. Maryland Auto. Ins. Fund, 277 Md. 602, 605, 356 A.2d 560 (1976).
A "motor vehicle" is defined in the Insurance Article as "a vehicle, including a trailer, that is operated or designed for operation on a public road by any other power other than animal or muscular power."2 Ins. § 19-501(b)(1). Unlike the Transportation Article, "moped" is not defined in the Insurance Article.
Relying upon the definition of moped contained in Transportation § 11-134.1, Allstate argues that a moped is not a motor vehicle, but a "bicycle that is designed to be operated by human power with the assistance of a motor." Crespo counters that a "moped has a motor, thereby distinguishing it from a bicycle, which is operated solely by muscular power."3
In Pennsylvania Nat'l Mut. Casualty Ins. Co. v. Gartelman, 43 Md.App. 413, 405 A.2d 779 (1979), aff'd on other grounds, 288 Md. 151, 416 A.2d 734 (1980), we concluded that a moped was not an uninsured motor vehicle. In that case, the claimant, an insured motorist under a policy issued to her husband, was injured while operating an uninsured moped owned by her husband. The accident occurred when she was forced off the road by an unidentified motor vehicle. The claimant sought benefits under both the insurance policy's uninsured motorist provision and the personal injury protection provision that the insurer refused to pay because of certain exclusions contained in the policy. We held that the claimant was entitled to those benefits because the policy exclusion reduced the scope of coverage required by the statutory mandate. In reaching that conclusion, we said that the term "motor vehicle," as used in the Insurance Article, had "the same meaning it does in the Transportation Article." Gartelman, 43 Md.App. at 425, 405 A.2d 779.
The Court of Appeals affirmed our holding, but did not decide the issue of whether the term motor vehicle, as used in the Insurance Article, had the same meaning as in the Transportation Article. Instead, the Court assumed "without deciding that, under the insurance policy here involved, a moped is a `motor' or `highway' vehicle." Gartelman, 288 Md. at 153, n. 1, 416 A.2d 734.
"`The cardinal rule of statutory construction is to ascertain and effectuate legislative intention.'" State v. Green, 367 Md. 61, 81, 785 A.2d 1275 (2001) (citations omitted). When we interpret a statute, our starting point is always the text of the statute. Adamson v. Correctional Med. Servs., 359 Md. 238, 251, 753 A.2d 501 (2000). "[I]f the plain meaning of the statutory language is clear and unambiguous, and consistent with both the broad purposes of the legislation, and the specific purpose of the provision being interpreted, our inquiry is at an end." Breitenbach v. N.B. Handy Co., 366 Md. 467, 473, 784 A.2d 569 (2001). The plain meaning rule is "elastic, rather than cast in stone[,]" and if "persuasive evidence exists outside the plain text of the [statute], we do not turn a blind eye to it." Adamson, 359 Md. at 251, 753 A.2d 501 (citing Kaczorowski v. Baltimore, 309 Md. 505, 513-14, 525 A.2d 628 (1987)).
In determining a statute's meaning, we may "consider the context in which a statute appears, including related statutes and legislative history." Ridge Heating, Air Conditioning & Plumbing, Inc. v. Brennen, 366 Md. 336, 350-51, 783 A.2d 691 (2001). Also, we may "consider the particular problem or problems the legislature was addressing, and the objectives it sought to attain." Sinai Hospital of Baltimore, Inc. v. Department of Employment and Training, 309 Md. 28, 40, 522 A.2d 382 (1987). "This enables us to put the statute in controversy in its proper context and thereby avoid unreasonable or illogical results that defy common sense." Adamson, 359 Md. at 252,753 A.2d 501.
We are not convinced that, standing alone, the statutory definitions of "motor vehicle" and "moped" as found in the Transportation Article and the Insurance Article are dispositive. As discussed, Transportation § 11-134.1 defines a moped as a "bicycle that is designed to be operated by human power with the assistance of a motor." Moreover, a moped, along with a motor scooter, is expressly exempted from the definitions of "motor vehicle" in Transportation §§ 11-135(b)(1) and (2). Title 19 of the Insurance Article defines a "`motor vehicle' as a vehicle ... that is operated or designed for operation on a public road by any power other than animal or muscular power." Ins. § 19-501(b)(1) (emphasis added).
It can be argued that the definition of "motor vehicle" in Ins. § 19-501(b)(1) is broad enough to include a "moped." The Merriam-Webster's Collegiate Dictionary 754 (10th ed.2000) defines "`moped' as a lightweight low-powered motorbike that can be pedaled." At times a moped can be operated on a public road by a power other than muscular or human...
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