Carrier v. State Farm Mutual Ins., Unpublished Decision (9-16-1999)
Carrier v. State Farm Mutual Ins., Unpublished Decision (9-16-1999)
Concurring Opinion
While I find appellant's argument regarding the constitutionality of Am.Sub.S.B. No. 20 very persuasive, I am constrained by stare decisis to concur with my colleagues in the majority decision.
Opinion of the Court
On January 2, 1996, plaintiffs' mother, Linda Simms, died as a result of an automobile accident. At the time, she was a passenger in a vehicle operated by her husband, Gerald Simms. Because of the household exclusion in the Simms' automobile insurance policy with State Farm, Gerald Simms was considered an uninsured motorist regarding claims asserted by the Estate of Linda Simms.
The Simms' automobile insurance policy with State Farm provided uninsured motorist coverage for bodily injury in the amount of $100,000 "each person" and $300,000 "each accident." The policy stated that the "each person" designation provided "the amount of coverage for all damages arising out of and due tobodily injury to one person." The policy further provided that "`bodily injury to one person' includes all injury and damages to others and resulting from this bodily injury."
Plaintiffs, as executors of the estate of Linda Simms, presented an uninsured motorist claim to State Farm on behalf of themselves as Simms' next of kin for the bodily injury per accident limit of $300,000. State Farm paid plaintiffs $100,000 pursuant to the "each person" limit of uninsured motorist coverage.
Plaintiffs then filed a complaint against State Farm, claiming they are entitled to recover the $300,000 aggregate limit of uninsured motorist coverage for bodily injury for "each accident" because all three claimants are entitled to recover $100,000 each under the policy's "each person" limit. State Farm moved for summary judgment on the basis that Linda Simms' insurance policy set a $100,000 maximum "each person" limit of uninsured motorist coverage available for a single bodily injury or death, and, pursuant to R.C.
Plaintiffs opposed the motion for summary judgment, contending that the policy language cannot permissibly limit their collective recovery to $100,000, and that Am.Sub.S.B. No. 20 is unconstitutional because it endorses such a limitation. Specifically, plaintiffs argued in their memorandum contra State Farm's motion for summary judgment that Am.Sub.S.B. No. 20 violates Sections
ASSIGNMENT OF ERROR NO. 1: THE TRIAL COURT ERRED IN NOT HOLDING THAT SENATE BILL 20 IS UNCONSTITUTIONAL ON THE GROUNDS THAT IT VIOLATES ARTICLE I § 19(A) [sic] OF THE OHIO CONSTITUTION.
ASSIGNMENT OF ERROR NO. 2: THE TRIAL COURT ERRED IN NOT HOLDING THAT S.B. 20 IS UNCONSTITUTIONAL ON THE GROUNDS THAT THE WRONGFUL DEATH BENEFICIARIES HAVE A RIGHT TO A REMEDY GUARANTEED BY ARTICLE
I §16 OF THE OHIO CONSTITUTION.ASSIGNMENT OF ERROR NO. 3: THE TRIAL COURT ERRED IN NOT HOLDING THAT S.B. 20 IS UNCONSTITUTIONAL ON THE GROUNDS THAT S.B. 20 VIOLATES SUBSTANTIVE DUE PROCESS.
ASSIGNMENT OF ERROR NO. 4: THE TRIAL COURT ERRED IN NOT HOLDING THAT S.B. 20 IS UNCONSTITUTIONAL AS IT VIOLATES THE EQUAL PROTECTION DOCTRINE.
An appellate court's review of summary judgment is conducted under a de novo standard. Coventry Twp. v. Ecker
(1995),
Plaintiffs' first assignment of error argues that R.C.
Plaintiffs' second assignment of error contends that R.C.
Plaintiffs' third assignment of error asserts that Am.Sub.S.B. No. 20 violates the substantive due process guarantee set forth by the
Even if the general recovery of compensation by a wrongful death beneficiary were a fundamental right, plaintiffs have not demonstrated that the challenged provisions of Am.Sub.S.B. No. 20 limit the exercise of that right. As stated in our analysis of plaintiffs' first and second assignments of error, Am.Sub.S.B. No. 20 neither affirmatively deprives wrongful death beneficiaries of a meaningful right to a remedy, nor limits the amount of damages a wrongful death plaintiff may recover in a civil action. Rather, the challenged statutory provisions merely permit an insurance company to set forth in the insurance policy limits on the amount beneficiaries may recover from the insurance company pursuant to the contractual entitlement created by the policy. Because Am.Sub.S.B. No. 20 does not limit the exercise of a discernable constitutional right, plaintiffs' substantive due process challenge must fail. Plaintiffs' third assignment of error is overruled.
Plaintiffs' fourth assignment of error asserts that Am.Sub.S.B. No. 20 violates the equal protection guarantees set forth in Section
Having overruled all four of plaintiffs' assignments of error, we affirm the judgment of the trial court.
Judgment affirmed.
BOWMAN, J., concurs.
KENNEDY, J., concurs.
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