Purcell v. Alfa Mutual Ins. Co.
Purcell v. Alfa Mutual Ins. Co.
Opinion of the Court
In September 1997, J.L. Purcell sued Alfa Mutual Insurance Company for uninsured/underinsured-motorist benefits. Alfa filed a motion for summary judgment, which the trial court initially denied. Upon Alfa's request to reconsider the denial, the trial court granted the summary-judgment motion. Purcell appealed the summary judgment to the supreme court, which transferred the case to this court, pursuant to Ala. Code 1975, §
We review a summary judgment de novo; we apply the same standard as was applied in the trial court. A motion for a summary judgment is to be granted when no genuine issue of material fact exists and the moving party is entitled to a judgment as a matter of law. Rule 56(c)(3), Ala.R.Civ.P. A party moving for a summary judgment must make a prima facie showing "that there is no genuine issue as to any material fact and that [it] is entitled to a judgment as a matter of law." Rule 56(c); seeLee v. City of Gadsden,
Purcell accompanied his son Steve to an automobile race at the Kennedy racetrack in Kennedy, Alabama. Steve was driving a car in the race, and Purcell watched the race from the pit area. Another car in the race struck Purcell while he was watching the race. Purcell sought underinsured/uninsured-motorist benefits from Alfa, his automobile insurer. Alfa denied the claim, and Purcell sued.
Alfa denied the claim on the basis that the car that struck Purcell was not a "car" as that term is defined in the policy. Alfa made that argument in its summary-judgment motion as well. The policy defines "car" as follows:
"Car — means a land motor vehicle with four or more wheels, which is designed for use mainly on public roads. It does not include;
"1. Any vehicle while located for use as a dwelling or other premises, or
"2. A truck-tractor designed to pull a trailer or semi-trailer, or
"3. A `midget car,' `go-kart' or similar type vehicle with comparable names."
(Emphasis in original.) Purcell argues that he presented substantial evidence indicating that the car that struck him was "designed for use
mainly on public roads." Alfa also argued in its motion that Purcell had not conducted a reasonable investigation to determine the identity of the driver or the owner of the car that struck him. The trial court relied on the policy's definition of "car" in its summary judgment. We conclude that Purcell did not conduct a reasonable investigation. We can affirm a summary judgment on any ground even if the trial court based its judgment on another ground. Lowe v. East End Mem. Hosp. Health Ctrs.,
The insured, here Purcell, has the burden of proving that the alleged tortfeasor and/or the owner of the vehicle the alleged tortfeasor was driving is uninsured. Motors Ins. Corp. v. Williams,
Purcell testified that because of the injuries he suffered when struck by the car, he has no memory of the accident. Purcell's son Steve was driving another car in the race. Steve testified that the race was stopped after his father was hit. Steve testified that he saw the car that hit his father tangled in the fence. Steve described the car as a yellow Ford Mustang. Steve testified that when he inquired about the identity of the driver, the only thing he discovered was that the driver of the car was called "T-bone." Steve further testified that the race continued once the paramedics left the racetrack with his father.
Purcell submitted the affidavit of Earl Sharp, an investigator at the law firm representing Purcell. Sharp stated in the affidavit:
"I was requested to perform an investigation in this case for the purpose of determining the identity of the driver responsible for the injuries to Mr. Purcell. I have spent numerous hours in this effort since March 10, 1997. In my investigations, I have talked with various individuals including Stuart Propst, Jerry Boyd, Mr. and Mrs. Neil Boyd and Caroline Spiegles. I have also talked with Fred Savage with the South Lamar Rescue Squad, who responded to the accident. My conversations with these individuals was in an attempt to locate and identify the driver of the car involved in the accident made the basis of this lawsuit and determine the existence of liability insurance coverage. I have had no success in finding that driver. It is my understanding from conversations with these people . . . that the driver was a young new driver and that this was possibly his first race at the race track. I spoke with Jerry Boyd, who is a technical inspector at the county race track and a flagman at some of the races. Mr. Boyd does not know the identity of the driver and/or of the automobile that hit Mr. Purcell."
Sharp's affidavit names five persons with whom he had discussed the accident in an effort to learn the identity of the driver. Only one of them, Jerry Boyd, is mentioned elsewhere in the record. Sharp's affidavit does not relate the significance of the other four persons with whom he discussed the accident, i.e., whether they were witnesses to the accident or were officials at the Kennedy racetrack. Furthermore, Sharp's affidavit does not refer to any of the information Steve Purcell testified to in his deposition regarding the identity of the driver as "T-bone."
In Ogle v. Long,
We conclude that Alfa was entitled to have its summary-judgment motion granted on the ground that Purcell had not exercised "reasonable diligence" in investigating whether the vehicle and/or the driver *Page 766 that hit him were uninsured. The record contains no evidence indicating that Sharp, the investigator for Purcell's law firm, investigated the information provided in Steve Purcell's deposition, which provided at least a nickname for the driver of the car that struck Purcell. The record also contains no discovery requests made by Purcell to the officials or employees of the Kennedy racetrack for information regarding the identity of the contestants or the cars in the race; moreover, the record does not indicate that such information was not available.
We affirm the summary judgment for Alfa.
AFFIRMED.
THOMPSON and PITTMAN, JJ., concur.
MURDOCK, J., concurs in the result.
YATES, P.J., dissents.
Concurring Opinion
The main opinion concludes that the summary judgment is due to be affirmed based upon Purcell's alleged failure to exercise "reasonable diligence" in investigating whether he was injured by an uninsured motor vehicle. However, because the trial court expressly based its summary judgment on a different ground and did not reach the "reasonable diligence" issue, and the appellee has not asserted on appeal the "reasonable diligence" issue as a ground for affirming the trial court's judgment, I would not reach that issue on appeal. As a basic rule, on an appeal from a summary judgment, we must look to the same factors the trial court initially considered in ruling on the motion. Jehle-SlausonConstr. Co. v. Hood-Rich Architects Consulting Eng'rs,
Dissenting Opinion
I believe the affidavit of Earl Sharp creates a question of fact as to whether Purcell exercised "reasonable diligence" in investigating whether the vehicle and/or the driver that hit him was uninsured. Therefore, I must respectfully dissent from the main opinion's affirmance of the summary judgment entered in favor of Alfa. *Page 767
Case-law data current through December 31, 2025. Source: CourtListener bulk data.