Hagerty v. Great Am. Indem. Co.

• Decision Date: 05 October 1965
• Citation: Hagerty v. Great Am. Indem. Co., 213 A.2d 424, 106 N.H. 425 (N.H. 1965)
• Parties: Edward D. HAGERTY v. GREAT AMERICAN INDEMNITY COMPANY.
• Court: New Hampshire Supreme Court

Page 424

213 A.2d 424

106 N.H. 425

Edward D. HAGERTY v. GREAT AMERICAN INDEMNITY COMPANY.

Supreme Court of New Hampshire.

Argued June 1, 1965.

Decided Oct. 5, 1965.

Devine, Millimet, McDonough, Stahl & Branch, Matthias J. Reynolds and Ernest D. Dufresne, Manchester, for plaintiff.

Wiggin, Nourie, Sundeen, Nassikas & Pingree and Charles Solms, III, Manchester, for defendant.

LAMPRON, Justice.

The plaintiff is an orthopedic surgeon practicing in Manchester. The injured employee was a resident of Massachusetts and the employer a Massachusetts corporation with its principal place of business in that State. The employee was sent to Manchester to install an oil tank and in the process he was buried by a cave-in of earth. After being extricated he was taken to Sacred Heart Hospital in Manchester and treated by the plaintiff during his confinement of almost six months and thereafter. The employee applied for and received compensation from the defendant under the workmen's compensation statute of Massachusetts. M.G.L.A. Ch. 152.

The plaintiff has received no payment for his services. He submitted to the defendant his bill for services through December 12, 1957, in the amount of $1,976.50. On July 10, 1958, an agent of the defendant wrote to the doctor that it was willing to pay him $1,481.50 for these services, this adjusted allowance being 'in accordance with the customary industrial rates'. It is also alleged that this same agent represented to the plaintiff at a hearing held by the Labor Commissioner of this State that the defendant would pay his bill. The bill remaining unpaid, plaintiff instituted the present action.

Workmen's compensation acts have been described as a 'mechanism for providing cash-wage benefits and medical care to victims of work-connected injuries'. 1 Larson, Workmen's Compensation, s. 1.00. Carbonneau v. United States Casualty Company, 97 N.H. 438, 441, 91 A.2d 449; Bolduc v. Somersworth Shoe Company, 97 N.H. 360, 365, 89 A.2d 538. These statutes create rights, remedies and procedures all their own. 99 C.J.S. Workmen's Compensation § 6, p. 50. The rights thereunder rest upon the statutes alone which both create and measure them. Wilkinson v. Achber, 101 N.H. 7, 9, 131 A.2d 51; 58 Am.Jur., Workmen's Compensation, s. 3, p. 577.

Under its policy the defendant undertook to 'be directly and primarily liable to any person entitled to the benefits of the workmen's compensation law'. This circumscribed its obligations under its policy to the rights and procedures granted to claimants under the compensation statutes of Massachusetts and of New Hampshire by virtue of its endorsement. Migliaccio v. United Wire & Supply Corporation, 67 R.I. 352, 23 A.2d 893. These statutes provide that the employer (RSA 281:21) or its insurer (M.G.L.A. Ch. 152 § 30) is to furnish to an injured employee the required medical and hospital services. The payment of such services is part of the compensation awarded to the employee. Carbonneau v. United States Casualty Company, 97 N.H. 438, 441, 91 A.2d 449; Bruso's Case, 295 Mass. 531, 4 N.E.2d 308; Lanoue v. Century Indemnity Company, 30 So.2d 207, 210 (La.App.1947); Boyer v. Service Distributors, Inc., 366 Mich. 319, 115 N.W.2d 101; Grantham v. Coleman Co., 190 Kan. 468, 375 P.2d 629; 99 C.J.S. Workmen's Compensation §§ 275, 278-279, pp. 938, 943-945. Neither of these laws contemplates or provides a direct action by a physician against an employer or its insurer. It follows that the plaintiff cannot maintain an action for his services against the defendant under its contract as a workmen's compensation insurer. Wilkinson v. Achber, supra; 58 Am.Jur., Workmen's Compensation, supra.

However we find nothing in either of those...