655 S.E.2d 94
The facts of this matter are relatively simple. Appellant Farm Family Casualty
Insurance Company (hereinafter Farm Family) insured a 2002 Dodge truck under a
business auto policy issued to Kenneth D. Hess.
(See footnote 1)
On September 2, 2002, the insured Dodge
truck, with an attached trailer, was parked in a driveway approximately 25-30 feet away
from the intersection of the driveway with State Route 87 in Leon, Mason County, West Virginia. Appellee, Collett L. Keefer, II, (hereinafter Mr. Keefer) was driving a 1972 Allis-Chamber 180 farm tractor on State Route 87 when the tractor was struck from behind by a vehicle driven by Angela Mae Farrell (hereinafter Ms. Ferrell). According to Mr. Keefer's own testimony, he was slowing down and getting ready to turn into the driveway when the collision occurred. He remained 25-30 feet away from the truck-trailer assembly after the collision.
Apparently, Ms. Ferrell was uninsured at the time of the collision. Therefore, Mr. Keefer sought to recover uninsured motorist coverage under the Farm Family policy on the Dodge truck arguing that he was using or occupying the insured Dodge truck while he was driving the tractor on State Route 87. This argument is so imaginative, I think it bears repeating: Mr. Keefer sought to recover uninsured motorist coverage under the Farm Family policy on the Dodge truck arguing that he was using or occupying the insured Dodge truck (parked some 25-30 feet away on the driveway) while he was driving the tractor on State Route 87.
Under the Farm Family policy, an individual must be using or occupying a covered auto at the time of injury in order to qualify for uninsured motorist coverage. The policy defines the term occupying as in, upon, getting in, on, out or off a covered auto. I simply cannot agree with the majority's charitable conclusion that the coverage term getting on is satisfied by an intention to at some time in the future load the tractor which Mr. Keefer was driving on a state roadway onto the trailer which was attached to the insured Dodge truck some 25-30 feet away on a private driveway. See, Majority slip opinion, p. 9. No suggestion has been made that Mr. Keefer also intended to drive the insured Dodge truck after loading the tractor onto the trailer which was attached to the insured Dodge truck. Also it is not clear that Mr. Keefer himself would have loaded the tractor onto the trailer which was attached to the insured Dodge truck or if someone else may have taken over the operation of the tractor prior to loading it onto the trailer. Notwithstanding the majority's reach for a contrived meaning of the phrase, the undisputed evidence simply does not, and by common sense cannot, support the majority's finding herein that Mr. Keefer was getting on the insured Dodge truck. See, Majority slip opinion, p. 11.
I must also dispute the majority's conclusion that Mr. Keefer was using the insured Dodge truck at the time of the collision. It is undisputed that Mr. Keefer did not drive the insured Dodge truck into the driveway and did not lower the trailer ramps to prepare the trailer for the loading of the tractor. Kenneth D. Hess performed those actions. At the time of the collision, Mr. Keefer was operating an entirely different motor vehicle, the tractor, not the insured Dodge truck. Under our law, '[u]se' of an insured vehicle implies employing the vehicle for some purpose or object of the user. Syl. Pt. 3, in part,
Adkins v. Meador, 201 W. Va. 148, 494 S.E.2d 915 (1997). An injury must be causally connected to the use of the [insured] vehicle, and foreseeably identifiable with the normal use of the [insured] vehicle before uninsured motorist coverage under a policy insuring the vehicle is triggered. Syl. Pt. 4, in part, Adkins. (See footnote 2) This causal connection must be more than incidental, fortuitous or but for. Baber v. Fortner, 186 W. Va. 413, 417, 412 S.E.2d 814, 818 (1991) (emphasis in original), quoting, Detroit Automobile Inter-Insurance Exchange v. Higginbotham, 290 N.W.2d 414, 419 (1980). Apparently lost on the majority is the fact that Mr. Keefer was both using and occupying a vehicle other than the insured Dodge truck at the time of the collision. Any causal connection between Mr. Keefer's driving of the tractor on State Route 87 was merely incidental or fortuitous to any potential future use of the insured Dodge truck. Moreover, the majority simply assumes a normal use of the insured Dodge truck was to pull a trailer hauling farm equipment, and does not point to any evidence in the record to support this finding other than the fact that the Dodge truck was insured under a business policy of insurance issued to a farmer.
Because the majority opinion is founded upon speculation and assumed connections between Mr. Keefer and the insured vehicle, gives to the coverage definition at issue a definition which is at best fanciful, and is contrary to our existing law on uninsured motorist coverage, I respectfully dissent.