Burnett v. Motorists Mutual InsuranceBurnett v. Motorists Mutual Insurance
Lead Opinion
{¶ 1} Defendant-appellant, Motorists Mutual Insurance Company (“Motorists”), appeals from a decision of the Eleventh District Court of Appeals holding former
I
{¶2} The parties have stipulated to the essential facts. Plaintiff-appellee, Elizabeth Burnett, was injured in a motor vehicle accident on February 13, 2000, while a passenger in a motor vehicle owned and operated by her husband, Albert R. Burnett. The negligence of Albert R. Burnett directly and proximately caused the accident.
{¶ 3} On the date of the accident, Albert was the named insured under an insurance policy issued by Motorists. The Burnetts resided together at the same address, and Elizabeth therefore was a “family member” of Albert as that term was defined in the insurance policy. Albert’s vehicle was available for his regular use and was listed as an insured vehicle under the policy.
{¶ 4} Motorists denied liability coverage to Albert for the claims asserted by Elizabeth on the basis of the intrafamily exclusion in the liability portion of the policy. That denial of liability coverage is not at issue in this appeal. Motorists also denied Elizabeth’s claim for uninsured-motorists coverage for damages arising out of the accident on the basis of the intrafamily exclusion in the uninsured/underinsured-motorist (“UM”) portion of the policy. The UM policy provided that “uninsured motor vehicle” does not include any vehicle “[o]wned by or furnished or available for the regular use of you or any family member.” This wording substantially tracked the language of former
{¶ 5} On March 1, 2001, Elizabeth filed a complaint in the Trumbull County Court of Common Pleas seeking a declaration that Motorists was required to
{¶ 6} Motorists appealed that decision, and in Burnett v. Motorists Mut. Ins. Cos., 11th Dist. No. 2003-T-0101,
{¶ 7} The court of appeals stated in Burnett I, “Based upon the Kyle decision, it is clear that [Elizabeth Burnett] is precluded from coverage under the uninsured provisions of the policy issued by Motorists to Mr. Burnett. Hence, the trial court’s decision must be reversed.”
{¶ 8} On remand the trial court issued a judgment entry in favor of Motorists, summarily ruling with no discussion of any specific issue that there was no merit to Elizabeth’s additional arguments that the exclusion authorized by former
{¶ 9} The Eleventh District reversed the judgment of the trial court upon its determination that former
{¶ 10} Motorists moved the court of appeals to certify a conflict. That court recognized its decision as being in conflict with the decision of the Fourth District Court of Appeals in Morris v. United Ohio Ins. Co.,
{¶ 11} We agreed to review the certified issue,
II
{¶ 12} As did Kyle, this case implicates two former statutory subsections,
{¶ 13} Former
{¶ 14} “(J) The coverages offered under division (A) of this section or selected in accordance with division (C) of this section may include terms and conditions that preclude coverage for bodily injury or death suffered by an insured under any of the following circumstances:
{¶ 15} “(1) While the insured is operating or occupying a motor vehicle owned by, furnished to, or available for the regular use of a named insured, a spouse, ora resident relative of a named insured, if the motor vehicle is not specifically identified in the policy under which a claim is made * * *.” 148 Ohio Laws, Part IV, 8580.
{¶ 16} Former
{¶ 17} “(E) As used in this section, ‘uninsured motor vehicle’ and ‘underinsured motor vehicle’ do not include any of the following motor vehicles:
{¶ 18} “ * * *
{¶ 19} “(2) A motor vehicle owned by, furnished to, or available for the regular use of a named insured, a spouse, or a resident relative of a named insured.” Id.
{¶ 20} In Kyle, we considered whether the former subsections were in conflict and, if so, whether they could be reconciled.
{¶ 21} “Former subsection (J)(l) permitted the exclusion of UM/UIM coverage when the injured insured was occupying a vehicle owned by an insured but not covered under the liability portion of the policy (the ‘other-owned-vehicle exclusion’).
{¶ 22} “ * * *
{¶ 23} “ * * * [W]hile the insurance company could exclude vehicles owned by the insured but not identified in the policy, the insured and insurer could also agree to identify all the owned vehicles. This protected the balance of interests — the insured’s interest in coverage and the insurer’s interest in receiving premiums for risks covered.” (Emphasis sic.) Id. at ¶ 9,12.
{¶ 24} As to former
{¶ 25} We then declared: “Appellants argue that because the exclusion in (J)(l) is permissive while that in (E)(2) is mandatory,
{¶ 26} We provided some hypothetical examples to illustrate the subsections’ application. Id. at ¶ 18-20. We then reasoned, “As these examples show, former
{¶ 27} The facts of this case are on point in all relevant respects with those of Kyle. Therefore, the Eleventh District in Burnett I properly ruled that Kyle fully controlled the resolution of the specific issue addressed in that appeal. Although Kyle did not involve a challenge to the constitutionality of former
Ill
{¶ 28} All statutes enjoy a presumption of constitutionality. Before a court declares a statute unconstitutional, the court must be convinced “ ‘beyond a reasonable doubt that the legislation and constitutional provisions are clearly incompatible.’ ” Arbino v. Johnson & Johnson,
{¶ 29} The Equal Protection Clause, Section 2, Article I of the Ohio Constitution, provides, “All political power is inherent in the people. Government is instituted for their equal protection and benefit * * The Fourteenth Amendment to the United States Constitution provides, “No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States; nor shall any State deprive any person of life, liberty, or property, without due process of law; nor deny to any person within its jurisdiction the equal protection of the laws.”
{¶ 30} “Simply stated, the Equal Protection Clauses require that individuals be treated in a manner similar to others in like circumstances.” McCrone v. Bank One Corp.,
{¶ 31} Under traditional equal protection analysis, “ ‘[a] statutory classification which involves neither a suspect class nor a fundamental right does not violate the Equal Protection Clause of the Ohio or United States Constitutions [sic] if it bears a rational relationship to a legitimate governmental interest.’ ” Id. at ¶ 8, quoting Menefee v. Queen City Metro (1990),
{¶ 32} The conclusion reached by the court of appeals in Burnett II that an equal protection violation is present in the situation here directly conflicts with the holding of the Fourth District in Morris, which involved a situation both factually and legally on point in all relevant respects with this case. In Morris, Wanda Morris, a passenger in a motor home driven by her husband in February 2000, was injured when her husband negligently caused an accident, and she sought recovery under the UM coverage of the policy. The Morrises owned the vehicle, and the insurer denied UM coverage under a policy exclusion identical to the exclusion in the UM coverage at issue in the case sub judice.
{¶ 33} In addressing the argument that former
{¶ 34} “UnderR.C. 3937.18(E)(2) , it doesn’t matter who the tortfeasor is. The focus ofR.C. 3937.18(E)(2) is the vehicle the tortfeasor was driving at the time of the accident. If the tortfeasor was driving a vehicle owned by, furnished to, or available for the regular use of a named insured or his or her family members, then the vehicle will not be considered uninsured or underinsured. See Kyle,103 Ohio St.3d 170 ,814 N.E.2d 1195 , ¶ 13. This is true regardless of whether the claimant is related to the tortfeasor.
{¶ 35} “An example will help illustrate our point. Assume that Mrs. Morris’s friend was driving the motor home at the time of the accident. Mrs. Morris’s initial attempts to recover liability benefits are unsuccessful, so she files a claim for uninsured motorist coverage under her policy with United Ohio. Under these circumstances,
{¶ 36} “As this example demonstrates, the tortfeasor need not be related to the claimant in order for
{¶ 37} The Moms court concluded, at ¶ 18, “[WJhere there is no classification, there is no discrimination that would offend the federal or state Equal Protection Clauses. See Conley v. Shearer (1992),
{¶ 38} We fully agree with Morris’s resolution of this issue. That court’s analysis properly interpreted the effect of our decision in Kyle on the certified issue and reached the only correct result that can be reached in view of Kyle.
{¶ 39} The Eleventh District’s reasoning in Burnett II on the certified issue, on the other hand, patently misinterprets Kyle. The Eleventh District’s conclusion that former subsection (K)(2) created a classification based on household status is fundamentally flawed for a number of reasons. Most obviously, it fails to heed our determinations in Kyle that former subsection (K)(2)’s focus is on “the tortfeasor,” that the statute “articulates when a tortfeasor will not be considered uninsured or underinsured,” and most important, that “[paragraph (K) excluded certain tortfeasors’ vehicles from being considered uninsured or underinsured.” (Emphasis sic.) Kyle,
{¶40} The Eleventh District in Burnett II reasoned that former
{¶ 41} Furthermore, although the Eleventh District’s phrasing of the certified conflict concludes by incorporating the statement that former
{¶ 42} Kyle explains that former subsection (E)(2) did not draw an impermissible classification based on household status. Because the classifications identified by the Eleventh District (injured persons related to the tortfeasor and living in the household of the insured versus all other injured persons) have no statutory basis, there is no actual classification of persons in Elizabeth Burnett’s situation being drawn by which principles of equal protection could be violated.
{¶ 43} If, as here, a challenged statute does not actually create a classification that treats similarly situated individuals under like circumstances differently, there can be no discrimination to offend equal protection. Conley,
IV
{¶ 44} In light of the foregoing analysis, we answer the certified question in the negative. The application of former
Judgment reversed and cause remanded.
Notes
. {¶ a} In her appeal, Elizabeth Burnett raised four different challenges to former
{¶ b} The court of appeals addressed only the equal protection challenge asserted by Elizabeth Burnett and did not mention the other challenges.
.
. Wanda Morris also sought recovery under the liability coverage of the policy, but the insurer denied coverage based on an exclusion in that part of the policy, and she did not further pursue that claim.
Dissenting Opinion
dissenting-.
{¶ 45} The good news is that the damage done by
{¶ 46} The majority does not face the task of determining whether the General Assembly had a rational basis for instituting former
{¶ 47} For instance, Passengers A and B are riding in a car driven by Driver. Driver is the spouse of Passenger A. Passenger B is unrelated to Driver. Former
{¶ 48} “(E) As used in this section, ‘uninsured motor vehicle’ and ‘underinsured motor vehicle’ do not include any of the following motor vehicles:
{¶ 49} “ * * *
{¶ 50} “(2) A motor vehicle owned by, furnished to, or available for the regular use of a named insured, a spouse, or a resident relative of a named insured.” 148 Ohio Laws, Part IV, 8580.
{¶ 51} Passenger A can purchase no policy that would provide uninsured-motorist coverage for injuries she suffered because of the negligence of Driver. As long as her spouse was driving the vehicle, any vehicle, she could not be covered by an uninsured-motorist policy, pursuant to
{¶ 52} Whether the General Assembly had a rational basis for imposing such unequal treatment is an issue the majority decided it need not reach. Good for the majority. It does not have to attribute rationality to the General Assembly’s