Norfolk and Dedham Mut. Fire Ins. Co. v. Wysocki
Decision Date | 06 August 1996 |
Docket Number | CV9677721,Nos. CV9677652,s. CV9677652 |
Citation | 45 Conn.Supp. 144,702 A.2d 675 |
Court | Connecticut Superior Court |
Parties | NORFOLK AND DEDHAM MUTUAL FIRE INSURANCE COMPANY et al. v. Craig WYSOCKI. |
Charles J. Wood, Wallingford, for the named plaintiff.
Sperandeo & Donegan, New Haven, for plaintiff Liberty Mutual Fire Insurance Company.
Farrell, Guarino & Boccalatte, for defendant.
The plaintiffs, Norfolk and Dedham Mutual Fire Insurance Company (Norfolk) and Liberty Mutual Fire Insurance Company (Liberty), have applied to vacate an uninsured motorist arbitration award. The defendant, Craig Wysocki, moves to confirm the award.
The parties stipulated to the following facts. On October 29, 1989, while on a public road in Durham, the defendant was injured when an all-terrain vehicle owned and operated by him collided with another all-terrain vehicle owned and operated by Hans Pedersen. Although both all-terrain vehicles were uninsured, at the time, the defendant was the owner of a private passenger motor vehicle insured by Liberty with uninsured motorist coverage in the amount of $20,000. In addition, the defendant was insured under a policy issued to his mother by Norfolk which provided uninsured motorist coverage in the amount of $40,000. 1 As a result of the accident, the defendant made uninsured motorist claims against both policies. On October 2, 1995, the parties entered into arbitration, and, on December 13, 1995, a majority of the arbitrators awarded the defendant $60,000, the maximum amount recoverable under the uninsured provisions of the two policies. 2
On January 10, 1996, Norfolk filed an application to vacate, correct or modify the arbitration award (Docket No. CV96-77652); see General Statutes §§ 52-418 3 [45 Conn.Supp. 146] through 52-420; and, on January 18, 1996, Liberty filed a separate application to vacate the award (Docket No. CV96-77652). The insurance companies argue that the award should be vacated because the arbitrators exceeded their powers or so imperfectly executed them that a mutual, final and definite award upon the subject matter was not made. See General Statutes § 52-418(a)(4). Specifically, they contend that the arbitrators erred in finding that: (1) the Pedersen all-terrain vehicle was a motor vehicle to which the uninsured motor vehicle provisions of the policy applied; (2) coverage was not excluded by part C, exclusion A.1. of the policies; and (3) the negligence of the defendant was not greater than the negligence of Pedersen. The defendant filed motions to confirm the award in both the Norfolk and Liberty actions on January 16, and 26, 1996, respectively. See General Statutes § 52-417. The two cases were consolidated on March 12, 1996.
The court must first determine the standard it is required to apply in reviewing the decision of the arbitrators. (Citations omitted; internal quotation marks omitted.) Maluszewski v. Allstate Ins. Co., 34 Conn.App. 27, 32-33, 640 A.2d 129, cert. denied, 229 Conn. 921, 642 A.2d 1214 (1994).
General Statutes § 38a-336, formerly General Statutes § 38-175c, provides in pertinent part that "[e]ach automobile liability insurance policy ... which contains a provision for binding arbitration shall include a provision for final determination of insurance coverage in such arbitration proceeding." General Statutes § 38a-336(c). (Emphasis in original.) Bodner v. United Services Automobile Assn., 222 Conn. 480, 488, 610 A.2d 1212 (1992). "Arbitration of [such issues,] therefore, [is] voluntary, and judicial review of the arbitrators' decision is limited to determining whether the award conforms to the submission." Id., at 488-89, 610 A.2d 1212. In the present case, the scope of submission was defined by the policy terms and conditions.
The amended arbitration provisions of both policies are nearly identical. Liberty's provision provides in pertinent part that: "If we and an 'insured' do not agree: (1) Whether that person is legally entitled to recover damages under Part C; or (2) As to the amount of damages; the 'insured' party may make a written demand for arbitration." 4 The court interprets this provision as a voluntary, unrestricted submission with regard to damages and legal liability. See id., at 488-90, 610 A.2d 1212. Thus, with regard to coverage issues, the court must conduct a de novo review of the interpretation and application of the law by the arbitrators, and as to any other issues, the court need only determine whether the award conforms to the submission.
"Although ordinarily the question of contract interpretation, being a question of the parties' intent, is a question of fact; Gurliacci v. Mayer, 218 Conn. 531, 567, 590 A.2d 914 (1991); Finley v. Aetna Life & Casualty Co., 202 Conn. 190, 199, 520 A.2d 208 (1987); [w]here there is definitive contract language, the determination of what the parties intended by their contractual commitments is a question of law." (Internal quotation marks omitted.) Levine v. Massey, 232 Conn. 272, 277-78, 654 A.2d 737 (1995). (Internal quotation marks omitted.) O'Brien v. United States Fidelity & Guaranty Co., 235 Conn. 837, 842, 669 A.2d 1221 (1996).
(Citations omitted; internal quotation marks omitted.) Id., at 843, 669 A.2d 1221.
The insurance companies first argue that the defendant is not entitled to recover under the policies because an all-terrain vehicle is not a "motor vehicle" as defined by the General Statutes. Pursuant to General Statutes § 14-1(a)(47), " '[m]otor vehicle' means any vehicle propelled or drawn by any nonmuscular power, except aircraft, motor boats, ... and any other vehicle not suitable for operation on a highway...." (Emphasis added.) In addition, General Statutes § 14-379 defines an all-terrain vehicle as "a self-propelled vehicle designed to travel over unimproved terrain and which has been determined by the Commissioner of Motor Vehicles to be unsuitable for operation on the public highways which is not eligible for registration under chapter 246...." (Emphasis added.) Thus, the insurance companies contend that because all-terrain vehicles are excluded from the statutory definition of motor vehicle, an all-terrain vehicle cannot be an uninsured motor vehicle within the meaning of the policies. The court disagrees.
Although an all-terrain vehicle does not meet the statutory definition of motor vehicle, resort to the statutory definition is unnecessary in this instance. For purposes of uninsured motorist coverage, both policies define an uninsured motor vehicle as "a land motor vehicle of any type" to which no bodily injury liability bond or policy applies at the time of the accident, except any vehicle or equipment "designed mainly for use off public roads while not on public roads." (Emphasis added.) Although all-terrain vehicles are designed mainly for use off public roads, the accident in the present case occurred on a public road. Accordingly, the court finds that the Pedersen all-terrain vehicle qualifies as an uninsured motor vehicle for purposes of the uninsured motorist coverage afforded under both insurance policies. Accord Kashmark v. Western Ins. Cos., ...
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