Bingenheimer v. State Farm Mutual Automobile Insurance
Bingenheimer v. State Farm Mutual Automobile Insurance
Opinion of the Court
Plaintiff was injured in a single-car accident after losing control of her car. She sought coverage for her injuries under her uninsured motorist (UM) policy with defendant State Farm Mutual Automobile Insurance Company (State Farm) on the theory that the accident was caused by a “phantom vehicle” under ORS 742.504(2)(g). She appeals the trial court’s grant of summary judgment in favor of State Farm. We affirm.
The facts, stated in the light most favorable to plaintiff as the nonmoving party,
Angela Willis was driving behind both plaintiff and White when she observed both of them lose control of their cars. Following the accident, Willis pulled over and walked back to the area where she had observed the two cars begin to slide. She testified that the area “was very slick with an oil-like substance covering approximately a 10' x 15' portion of the right-hand lane.” No evidence was presented as to how the “oil-like substance” came to be on the road surface, and the police report attributes the accident to “extremely wet and curvy conditions.”
Plaintiff alleged that the “oil-like substance” described by Willis was deposited on the road by an unknown “phantom vehicle” as a result of negligence of the vehicle’s driver. Plaintiff alleged that the substance first caused White to lose control of her car and then caused plaintiff, following behind White, to lose control of her car while attempting to
State Farm moved for summary judgment, contending that plaintiff (1) failed to present legally sufficient evidence that a “phantom vehicle” was responsible for the accident and (2) was disqualified from recovering under her UM policy with State Farm because she had settled her claim against White without first obtaining State Farm’s consent. The trial court granted State Farm’s motion, basing its reasoning on State Farm’s first argument without reaching the second argument.
On appeal of the trial court’s ruling in favor of State Farm’s motion for summary judgment, we determine whether the summary judgment record, viewed in the light most favorable to plaintiff, shows that there were no genuine issues of material fact and that State Farm was entitled to judgment as a matter of law. See Robinson v. Lamb’s Wilsonville Thriftway, 332 Or 453, 455, 31 P3d 421 (2001) (describing summary judgment standard). Plaintiff has the burden of producing evidence on any issue raised in the motion as to which she would have the burden of persuasion at trial. ORCP 47 C. Because plaintiff failed to present legally sufficient evidence to support a jury inference of negligence on the part of the driver of the alleged “phantom vehicle,” we affirm the trial court’s grant of summary judgment and do not address State Farm’s alternative basis for summary judgment.
The parties appear to agree that, as required by ORS 742.504, plaintiffs UM policy is “no less favorable” to her than the provisions of that statute.
ORS 742.504(l)(a) provides that uninsured motorist coverage must include all sums that the insured is “legally entitled to recover as general and special damages from the owner or operator of an uninsured vehicle because of bodily injury sustained by the insured caused by accident and arising out of the ownership, maintenance, or use of such uninsured vehicle.” (Emphasis added.) For instances in which the identity of the vehicle alleged to be responsible for the accident cannot be ascertained, ORS 742.504(2)(d)(C) defines “uninsured vehicle” to include a “phantom vehicle.” Generally, a phantom vehicle is one that causes an accident resulting in bodily injury to the insured without physically contacting the insured or her vehicle, where the operator or owner cannot be ascertained. ORS 742.504(2)(g).
An insured is “legally entitled” to recover damages under ORS 742.504(l)(a) only if she has a “viable tort claim against the responsible party and could have obtained a favorable judgment” in an action against that party. Vega v. Farmers Ins. Co., 323 Or 291, 306, 918 P2d 95 (1996) (emphasis in original). For plaintiffs claim to survive summary judgment here, she must have presented evidence from which an objectively reasonable juror could infer facts necessary to
As to the first necessary inference, Willis, who was following behind plaintiff, testified that the area where both plaintiff and White lost control of their cars “was very slick with an oil-like substance covering approximately a 10' x 15' portion of the right-hand lane.” A jury reasonably could infer from that testimony that there was a foreign substance on the road that caused plaintiff to lose control of her car.
The second necessary inference presents a closer question. More than one reasonable inference can be drawn from the evidence that there was an “oil-like substance” that covered a 10- by 15-foot area of the right-hand lane where plaintiff lost control of her car. If a jury were to draw the first necessary inference, it may be that the jury then could conclude reasonably that a single vehicle was responsible for the substance on the highway.
This record does not provide a legally sufficient basis for concluding that an accident caused by a phantom vehicle leaking an “oil-like substance,” albeit a substantial amount of that substance, is of the kind that more probably than not would not have occurred in the absence of negligence. As the Supreme Court recognized in American Village, “mechanical objects suffer breakdowns every day without someone being negligent.” 269 Or at 44. Although an owner or operator’s negligence could be responsible for a phantom vehicle leaking an oil-like substance, the record does not establish that such negligence is a more likely cause than other possible causes, such as an unknown defect in the vehicle or recent damage to the vehicle that was beyond the driver’s knowledge or control. Without any evidence in the record as to the relative probability of a vehicle leaking an oil-like substance with or without negligence, a jury is without a legally sufficient basis for inferring, based on res ipsa loquitur, that negligence of the driver of an alleged phantom vehicle caused plaintiffs injuries.
Affirmed.
See Robinson v. Lamb’s Wilsonville Thriftway, 332 Or 453, 455, 31 P3d 421 (2001).
In setting out the required provisions for uninsured motorist coverage, ORS 742.504 provides, in pertinent part, that “[e]very policy required to provide the coverage specified in ORS 742.502 shall provide uninsured motorist coverage which in each instance is no less favorable in any respect to the insured or the beneficiary than if the following provisions were set forth in the policy.” ORS 742.502(1) provides that all auto insurance policies issued in Oregon must include uninsured motorist coverage.
ORS 742.504(2)(g) defines “phantom vehicle,” in pertinent part, as follows:
“ ‘Phantom vehicle’ means a vehicle which causes bodily injury to an insured arising out of a motor vehicle accident which is caused by an automobile which has no physical contact with the insured or the vehicle which the insured is occupying at the time of the accident, provided:
“(A) There cannot be ascertained the identity of either the operator or the owner of such phantom vehicle;
“(B) The facts of such accident can be corroborated by competent evidence other than the testimony of the insured or any person having an uninsured motorist claim resulting from the accident * *
The phantom vehicle statute provides no support for State Farm’s contention that a particular vehicle must be identified. Rather, as the Supreme Court has explained, “the statute requires the observation, with corroborated testimony thereof, of facts from which inferences may be drawn that the accident was caused by a phantom vehicle.” Farmers Insurance Exch. v. Colton, 264 Or 210, 217, 504 P2d 1041 (1972).
Reference
- Full Case Name
- Dolores M. BINGENHEIMER v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, an Illinois corporation, and Heidi THOMAS and Heather White
- Cited By
- 2 cases
- Status
- Published