Leski v. State Farm Mutual Automobile Insurance

Kavanagh, J. This action was instituted to recover for the death on May 8, 1960, of plaintiff’s son under defendant’s policy insuring the life of plaintiff or any member of her family. Defendant appeals from a judgment in favor of plaintiff entered in the circuit court of Calhoun county following a trial by the court without a jury. Plaintiff was the holder of a policy of defendant State Farm Mutual Automobile Insurance Company, *562 ■which policy provided coverage up to $1,000 with respect to medical and funeral expenses incurred in connection with an accident involving* injuries to the insured or a relative living in the insured’s family. In addition, the policy afforded a death indemnity up to $5,000 in case of the death of an insured or a relative of the insured occurring while occupying a land motor vehicle not operated on rails or crawler-treads but excluding* a farm type tractor or equipment designed for use principally off public roads, except while such tractor or- equipment was actually upon public roads. The decedent, Fred R. Leski, at the time of the accident was en route from a farm owned by his employer located south of highway 1-94 in Marengo township, Calhoun county, Michigan, to another farm on the north side of the highway. The accident in question occurred within the right-of-way of highway 1-94 between the cities of Marshall and Albion. This stretch of highway in the general area of the accident scene is located immediately to the west of the present Partello road interchange. As completed, the stretch of highway consists of 2 main strips of concrete pavement separated by a medial divider running* in an easterly and westerly direction. On May 8, 1960, the construction of highway 1-94 was not completed and there were no fences or physical obstructions erected along the 1-94 right-of-way or parallel thereto. Prior thereto, the east-west strips of the main pavement were in place, but the shoulders abutting said strips and the Partello road overpass were not completed. These strips of' highway 1-94 were officially opened to public vehicular travel by the State highway commissioner on July 1, 1960. Prior to, during, and after the date of the accident, persons not connected with the construction *563 of the highway or the State highway department utilized the main strips of 1-94 for vehicular transportation, although without the approval of the State highway department. On at least 1 occasion, only 2 or 3 days after the accident, the project engineer offered to let a private vehicle travel from the city of Albion to the Partello road interchange on 1-94. Plaintiff’s decedent, Fred R. Leski, in going from one farm to the other, drove the tractor from the farm situated to the south of the right-of-way across the east-west concrete strip and medial divider in a general northerly direction until he reached the north edge of the earthen embankment constituting the grade denominated as ramp “C” of the interchange. At that point, his tractor was turned in a northeasterly direction and was driven approximately 500 feet on a course generally paralleling the curvature of partially completed ramp “C”. At a point on the northern-most arc of the grading of ramp “C”, decedent again turned his tractor in a northerly direction and entered into a ditch. While attempting to climb the northerly embankment of the ditch, to go into a field, the tractor, due to the incline and soft ground, tipped backward toward the south inflicting fatal injuries to decedent. The place where the accident occurred was situated within the right-of-way of 1-94, and the northerly bank of the ditch was situated approximately 32 feet north of the presently paved portion of ramp “C” and approximately 24 feet north of the now constructed north shoulder of ramp “C”.‘ It is admitted that the situs of the accident was not situated within that part of highway 1-94 intended or designed for vehicular traffic, but it is also admitted that it is conceivable that under abnormal or emergency conditions a motor vehicle might enter upon or travel over the place where the accident occurred. *564 Stipulated facts indicate that the plaintiff and her family, including the decedent and numerous others, used the temporary Partello road crossing of 1-94 almost daily. In order to gain access to 19 Mile road, it was necessary for them, after crossing 1-94 and joining Partello road, to turn southwesterly and travel upon the fill dirt or earthen embankment used for the approach for the bridge which was to be built. This mode of access to 19 Mile road was expressly authorized by the State highway department. The earthen embankment or approach was joined by ramp “C”. Ramp “C”, however, was not open to traffic on that date. No permission had been given to decedent by the State highway department to use the highway or highway right-of-way on or prior to the date of the occurrence of the accident. However, plaintiff’s witness, Jerry Elyea, testified that approximately 1 month prior to the accident in question he drove a tractor from the Elyea home to their land north of 1-94 using almost exactly the same route as decedent. En route he conversed with members of the highway construction crew and then proceeded on the tractor to the northerly Elyea land. He was not stopped by the construction crew nor told not to cross the highway at that point. Ruth Elyea testified for plaintiff that approximately 3 days after the accident she was approached by a representative of the State highway department, who informed her that persons working the Elyea farm were not to cross the highway. Plaintiff Margaret L. Leski, mother of decedent, testified that prior to and on the date of the accident there were no barricades or barriers on 1-94 at the Partello road interchange. She further testified that going to and from her employment she observed this interchange on the average of 4 times daily, and that wire barricades were placed immediately to the east and west of temporary Partello road where it *565 crossed the main strips of 1-94 within 1 week following the accident. The sole question in this case is: Can the language of coverages “C” and “S” of defendant’s insurance policy providing medical and accidental death benefits in connection with certain operations of a farm tractor “while actually upon public roads” be reasonably construed to include the situs of the accident causing the death of plaintiff’s decedent, Fred K. Leski? The policy in question provided: “Insuring Agreement—-The Owned Automobile. “Coverage C—Medical payments. To pay reasonable expenses incurred within 1 year from the date of accident for necessary medical, surgical, X-ray, dental, ambulance, hospital, professional nursing and funeral services, eyeglasses, hearing aids and prosthetic devices: “Division 1. To or for the named insured and each relative who sustains bodily injury, caused by accident, while occupying or through being struck by the owned automobile, or any other land motor vehicle or trailer not operated on rails or crawler-treads, but not (1) a farm type tractor or equipment designed for use principally off public roads, except lohile actually upon public roads. * * * “Conditions—Insuring Agreements 1 and 2. “The company may pay the injured person or any person or organization rendering the services and such payment shall reduce the amount payable hereunder. Any payment shall not constitute admission of liability of the insured or company. * * * “Insuring Agreement 4—Automobile Death Indemnity, Speoieio Disability and Total Disability Insurance. “Coverage S. *566 ' “Division 1—Death indemnity. To pay the principal sum stated as applicable in the exceptions of the declarations in event of the death of each insured which shall result directly and independently of all other- causes from bodily injury caused by accident and. sustained by the insured while occupying or through being struck by an automobile, provided the death shall occur: “(1) within 90 days from the date of such accident,- or “(2) within 1 year after the date of the accident and during a period of continuous total disability as defined under coverage T. * * * “Definitions—Insuring Agreement 4 “Automobile—means a land motor vehicle, trailer, ór semitrailer ’ not operated on rails or crawler-treads, but does not mean: (1) a farm type tractor or other equipment designed for use principally off public roads, except while actually upon public roads.” (Emphasis supplied.)- The trial court found in its opinion that the provision “while actually upon public roads” in the insurance policy in question was ambiguous and that a fair interpretation of this provision of the contract would include the situs of the accident in the instant case, and rendered a judgment in the amount of the policy. Defendant contends the policy in question is an automobile insurance policy and not a policy generally covering the operation of farm tractors of the type here involved. Defendant also says farm tractors of this .type are expressly excluded from coverage under the policy unless, and only unless, the accident occurs while the farm tractor is actually upon public roads. Defendant contends the conclusion is, therefore, inescapable that the manifest underwriting intent was to exclude from coverage of the policy the risks normally attending the operation of a farm tractor *567 in its ordinary place of usage. To this extent we agree. A description of the ordinary place of usage would be in and about the fields and premises of a farm. Admittedly, this accident did not occur in such a place. What, then, did the underwriter intend? It seems clear that it intended to extend the coverage to operation of a farm tractor in other than its ordinary place of usage; in other words, in a type of operation in which the tractor would be used on the road going to and from farms or when used on the road for hauling. In arriving at a construction of the language in an insurance contract, it is a well-established rule that, in case of reasonable uncertainty, doubt, or ambiguity, courts should construe policies of insurance which are not standard policies strictly or most strongly against the insurer. See Century Indemnity Co. v. Schmick, 351 Mich 622; Francis v. Scheper, 326 Mich 441. In view of the apparent uncertainty and doubt which surrounds the provisions of the policy in this case, we apply the above rule of law. The trial court found as a matter of fact, and it is supported by the record, that others besides decedent used this same route to pass from ramp “C” to the field, although at the time of such use it was not a road officially opened to public travel by the State highway department. Several witnesses testified of the common usage of the area of the interchange in its incomplete state to pass from one side of the more than 1/4-mile-long interchange to the other. Defendant contends that a proper construction of the critical policy language “while actually upon public roads” should be in terms of what a layman would understand these words as meaning in everyday parlance. We believe .that a reasonable, understanding of the preceding language by a layman would be *568 that he was purchasing a policy of insurance that would protect him in the event of an accident at the place and in the manner which caused decedent’s death. The cases cited by both plaintiff and defendant and the dictionary definitions of the word “public” and the word “road” are not applicable in this case. Here we are determining what construction the parties placed upon these critical words at the time of purchase of the policy. We believe a reasonable interpretation is the one applied by the trial court, .and that had the defendant insurance company desired to exclude the situs of the accident it would have been a simple matter for it to do so. The fact we are dealing with a farm tractor in other than its ordinary place of usage, the fact that we are construing an insurance contract provision that is uncertain or at least doubtful, the fact that we are dealing with a record that discloses some common usage of the area where the accident occurred, the fact that we are dealing with the provisions of an insurance contract which must be construed most strongly against the insurer, and the fact that at least 1 reasonable interpretation of the provision involved would include the situs of the accident, leads us to the conclusion that the finding of the trial court was supported by the record. We do not reverse in a case tried by the court without a jury under these circumstances unless we find that the judgment is contrary to the clear weight of the evidence. A reading of this record does not bring us to such a conclusion. The judgment of the trial court is affirmed. Plaintiff shall have costs. Carr, C. J., and Dethmers, Kelly, Black, Souris, Otis M. Smith, and Adams, JJ., concurred.