Petteway v. South Carolina Insurance

PHILLIPS, Judge. The only question before us being whether plaintiff’s claim to the benefit of defendants’ uninsured motorist coverages is legally enforceable under G.S. 20-279.21(b)(3) and the record showing without contradiction that plaintiff’s injuries did not result from a collision between motor vehicles, the order is correct and we affirm it. In personal injury cases based upon the negligence of an unidentified motorist, G.S. 20-279.21(b)(3) authorizes recovery under the uninsured motorist provision of automobile liability insurance policies written in this state only if the injuries resulted from a “collision *778 between motor vehicles,” and it has been held that the coverage does not apply when the claimant’s vehicle merely overturns or runs into something other than a vehicle, such as a ditch. East v. Reserve Insurance Co., 18 N.C. App. 452, 197 S.E. 2d 225 (1973); Hendricks v. United States Fidelity and Guaranty Co., 5 N.C. App. 181, 167 S.E. 2d 876, cert. denied, 275 N.C. 594, --- S.E. 2d — (1969). Plaintiff does not dispute the validity of these holdings; his only argument is that since the legislature’s apparent purpose in enacting the collision requirement was to prevent fraudulent claims based upon the alleged negligence of fictitious motorists that the requirement is dispensed with when, as here, a disinterested eyewitness can verify that an unidentified motorist was involved. The plain wording of the above quoted statutory provision, as well as the foregoing decisions, require that this argument be rejected. In affirming the order, however, we do not approve statements in the cited cases indicating that the “collision” required by the statute for uninsured motorist coverage is with the unidentified vehicle. In reaching that conclusion the panel apparently gave more weight to the policy language about a “hit-and-run automobile” than it did to the statutory terms, which no policy provision can override. The statutory phrase “collision between motor vehicles” is not restricted to any particular vehicles, restricting it by interpolation is not our office, and there is no reason to suppose that in using that unqualified phrase that the General Assembly intended to exclude from the statute’s beneficent provisions victims of motor vehicle collisions caused by unidentified motorists whose vehicles have no collision. The phrase is not ambiguous and the clear indication is rather that the legislature intended to make the provisions available to all insureds who are injured in motor vehicular collisions caused by unidentified motorists. Furthermore, the statements were unnecessary to those decisions, neither of which involved a collision between motor vehicles of any kind, and their apparent approval in McNeil v. Hartford Accident and Indemnity Co., 84 N.C. App. 438, 352 S.E. 2d 915 (1987) was qualified, to say the least, since the collision requirement was deemed to have been met by plaintiff’s vehicle colliding with a vehicle that was hit by the unidentified vehicle. In any event a motor vehicular collision of some kind is certainly essential to plaintiff’s case and no such collision occurred. Affirmed. *779 Judge COZORT concurs. Judge PARKER concurs in the result.