Albritton v. Fireman's Fund Ins.

This is'a suit on a standárd automobile policy to recover the damages sustained by plaintiffs’ dump truck as the result of an accident occurring on November 23rd 1948 when the right rear dual wheels of the truck, which" was being driven at a slow rate of speed and. in a prudent, manner on the Greenwell Springs road in East Baton Rouge Parish," became disengaged from its body of chasis, for some unknown cause or reason, "and caused the" réar portion of the truck to come in sudden and violent contact with the roadbed of the highway.

The cause of. action; is founded , upon a clause contained in the policy covering

-“Loss of or damage to the automobile caused by collision of the .automobile with another object or by upset of the automobile”. .

In the district court, there was judgment in favor of plaintiff for $749.48, the judge. holding that .an .impact between the body of the truck and the roadbed of the highway constituted a “collision” within the meaning of the above quoted- clause. On appeal, this decree, was reversed by the Court of Appeal, First Circuit, see La.App., 61 So.2d 615 and, on plaintiffs’ .application, we granted certiorari. ■

The narrow issue for determination is whether the damage to plaintiffs’ truck was the result of a collision of the truck with another object.

“Collision”, which is generally defined as “the state of having collided”, is a word of broad import. • The verb “collide” means “to clash”; “to strike or dash against each "other”; “to come violently into contact”; “encounter with a shock”. See Webster’s New International Dictionary, 2nd Ed., Unabridged and The New Century Dictionary, Vol. I. Thus, the noun “collision”, according to lexicographers, is “striking together” or “striking against” and, in construing insurance policies of this sort, many of the courts have applied- this definition. See 5 Am.Jur. Verbo “Automobiles”, Sec. 555; Annotation in 23 A.L.R.2d 393-426 at page 397 and Blashfield, Cyclopedia of Automobile Law and Practice, Vol. VI, Sec. 3691.

Hence, it would ordinarily seem to follow that, in policies which insure against collision with- other objects without a"ny limitation as to their kind or character, coverage would be provided for any loss incurred by the automobile coming in contact with anything which could be described as an object, irrespective of whether it was a moving or stationáry force. Haik v. United States Fidelity & Guaranty Co., 15 La.App. 97, 180 So. 118.

An insurance policy is a contract under the law and the rules established by our LSA-Civil Code for the interpretation of aggreements are applicable. See Article 1945 et seq. Accordingly, if the words of the policy are clear and express the intent of the parties, the agreement is to he enforced as written. LSA-Civil Code Articles 1901 and 1945. But, if there is any ambiguity or doubt, the court must endeav- or to ascertain the common intention of the parties by reference to other phrases or words of the agreement or by other similar contracts of the parties, Articles 1948, 1949 and 1950, LSA-Civil Code, bearing in mind that, if a clause or word is susceptible of more than one interpretation, it is to be understood in the sense that would make the obligation effective, Article 1951, LSA-Civil Code, and, additionally- that doubtful language is to be construed against him who has contracted the obligation. 'Article 1957, LSA-Civil Codé. Our law, therefore, conformable with the universal rule applicable to contracts of insurance, is that all ambiguities must be construed in favor of the insured and against the insurer. See Muse v. Metropolitan Life Ins. Co., 193 La. 605, 192 So. 72, 125 A.L.R. 1075; Hemel v. State Farm Mut. Auto Ins. Co., 211 La. 95, 29 So.2d 483; Stanley v. Cryer Drilling Co., 213 La. 980, 36 So.2d 9 and Oil Well Supply Co. v. New York Life Ins. Co., 214 La. 772, 38 So.2d 777.

Applying these rules of construe-tion to the case at bar, it seems patent that, if the word “collision” be interpreted in its usual concept, its scope is such that it necessarily includes an impact of the body of the vehicle with the highway ,on which the vehicle was travelling as we entertain little .doubt that the ground or anything visible or tangible-is another object.. See Haik v. United States Fidelity & Guaranty Co., supra. And this, despite, an. existing diversity of opinion- among the., courts throughout the country as to whether-water and.land are objects within the meaning of automobile collision policies. See Appleman, Insurance Law and Practice Vol. V, Sec. 3201-3202; Blashfield, Cyclopedia of Automobile Law and Practice, Vol. VI, Sec. 3695; Huddy, Cyclopedia of Automobile Law, Vol. 13-14, Sec. 234-and 45 C.J.S., Insurance, § 797, page 837.

Counsel for the insurance company takes the position, however, that the parties, intended that the word “collision”, as used in the policy, be applied in a more restricted sense, that is, to impacts between the truck and a pedestrian, a horse, a cow, a rock or a stump, upon the roadway and-the like but not to any damaging, contacts between the vehicle and the road on which it is travelling. And in support of this contention, counsel profess that the decision in this case is controlled by our ruling in Brown v. Union Indemnity Co., 159 La. 641, 105 So. 918, 54 A.L.R. 1439. The Court of Appeal sustained this view.

We find it difficult to deduce, from an ex7 amination of the entire policy, that it was evident that the parties intended, in providing for coverage against loss resulting from collision, to attach a limited or restricted meaning to the, word so that it would apply - only to impacts between the vehicle and certain unspecified objects. Indeed, to adopt this construction would require, we think, that the court conclude that the word “collision”, .as used, in the policy,..is ambiguous. And, if it were so construed, we would be obliged to apply the cardinal rule that such ambiguity be interpreted most favorably to plaintiffs and against the insurer. But, as we have -indicated, we . see nq reason for attempting to eke out a limited meaning of the word “collision” bécause, if defendant- had desired to circumscribe its liability to certain specified types of collisions, it could have spelled out .such restricted coverage in its policy. This was the view of 'the' trial judge in concluding that defendant was responsible and we think it eminently ’ correct. ■ ...

The case of Brown v. Union Indemnity Co., supra, which is relied on heavily by the' insurer: and -.the. Court of. Appeal,- is distinguishable from this case on the facts, although it must be conceded that there are many expressions contained in that opinion with which we are not in accord. There, the policy covered damage resulting from collision only and did not specifically include an upset of the. vehicle. The damage sustained by the insured automobile resulted from its tipping over, its side coming in violent contact with the surface of the road. The court, after a painstaking review of the conflicting jurisprudence on the subject, concluded that the words “collision with another object” as used in the policy did not cover damage resulting from the impact of the side of the car with the surface of the roadway as such damage was attributable to an upset rather than a collision.

We find it unimportant to determine in this matter the soundness of the distinction drawn by the court in the Brown case between collision and upset, as this suit does not involve an upset of the truck. However, as we have stated above, the opinion in that case, in holding that an upset is not a collision within the contemplation of the policy provision, goes further than the requirements of the question posed as it discusses at length and cites with approval pronouncements from other jurisdictions in which views are expressed contrary to those which we now entertain. Since those particular observations were unnecessary to the decision and are obiter dictum, in which we do not concur, they will not be perpetuated.

For the foregoing reasons, the judgment of the Court of Appeal is annulled and it is now ordered that the judgment of the district court be reinstated and affirmed.

LE BLANC and HAMITER, JJ., dissent and assign written reasons.

. The insurance company also contended in the district court that,- even if. there was a collision, there could be no recovery in'-.view of a policy provision that the. insurer’s , obligation to - pay does not .apply to. any damage due and confined to. mechanical breakdown or failure. The point has not been urged here either in- oral argument or brief. - Under the circumstances, we assume, that it has been aban-. doned. . ■ ,