Hatton v. Indemnity Insurance Co. of North America

Opinion by Gawthrop, J., Plaintiff owned an automobile which suddenly skidded on the highly erow'ned and slippery roadway on which it was being operated and 'accidently turned over and struck the surface of the road with such force that it was practically demolished. He sued defendant on a policy of insurance issued by it to him, which indem'nified him against certain damages to the car. Defendant filed an affidavit raising questions of law and obtained a judgment, the propriety of which is before us on this appeal. Plaintiff’s right to recover depends upon the construction of the following provision of a rider which was attached to the policy: “Automobile Collision Endorsement ($50.00 Deductible) In consideration of an additional premium of Fifty-nine & 52/100 Dollars ($59.52), the Company hereby agrees with the Assured that if any automobile described herein, including its operating equipment while *312 attached thereto, is injured or destroyed during the term hereof solely by accidental collision with another object, either moving or stationary, excluding injury or destruction by fire from any cause whatsoever, the Company will idemniey the assured against actual loss or damage by reason of such injury or destruction, not exceeding the actual cost of suitable repair or replacement or actual value at the time of the accident. ’ ’ The question is whether the damage to the car was the result of its “collision with another object,” and therefore covered by the terms of the policy. While the decisions of the courts in other jurisdictions upon the precise question here involved are hopelessly in conflict, as will appear upon an examination of the opinion of the Supreme Court of Louisiana, in Brown v. Union Indemnity Co., 105 So. 918, in which most of the cases are cited and reviewed, we regard it as having been decided in this State by this Court in Wetherill v. Williamsburg Ins. Co., 60 Pa. Superior Ct. 37, in which the opinion was written by Judge Kephart, now Mr. Justice Kephart, of the Supreme Court. The policy in that case covered damages to the automobile caused by “collision with any other vehicle or Avith any animal or object.” There the ear was accidentally backed into the open area of an elevator shaft and fell to the ground floor below. It Avas held that as the earth is a physical object a'nd a collision is a violent contact, a striking together, the policy covered the datnages caused by striking the object; and that the insurer Avas liable Avithout regard to the place where the collision might occur. That decision is controlling here, and we deem it unnecessary to discuss the cases decided in other jurisdictions. The appellee strenuously contends that the damages resulted from the skidding and upsetting of the car; that these were the proximate causes *313 of the damage; and that the contact of the automobile with the roadway caused by the upsetting of the car was not a collision in the popular understanding of the word. "While there is some force in this contention, it is not convincing. This argument would apply with equal force to the "Wetherill case in which the proximate cause of the. damage was the backing of the car into the open area of the. elevator shaft. In our view it is immaterial what caused the collision, so long as it was accidental, or whether the collision was with the surface of the highway on which the car was being operated, or with any other part of the earth or with some other object. If the terms of the policy which are being considered did not clearly include a collision of the car with the roadbed, resulting from an upset, the company could have limited its liability by a provision in the policy that it should not be liable for damages caused by striking the roadbed, as was done in the policy involved i'n the Wetherill case. After full consideration we are constrained to hold that the impact of the car with the surface of the road, due to an upset, is a collision with another object within the' meaning of the language of the rider and the policy. If the language were not so clear we would apply the rule of law that words used in an insurance policy should be interpreted most strongly in favor of the insured where there is doubt as to their construction so as not to defeat, without clear necessity, the claim to indemnity which it was the object of the policy holder to secure. This conclusion renders it unnecessary to consider the other question stated. The assignment of error is sustained, and the judgment is reversed with a procedendo.