AMERICAN c INSURANCE CO. v. KOPKA, 88 N.H. 182 (1936)


186 A. 335

AMERICAN MOTORISTS INSURANCE CO. v. JOHN KOPKA, SR. a.

Supreme Court of New Hampshire Hillsborough.
Decided June 2, 1936.

An insurer against liability for bodily injuries caused by the assured is liable for the hospital and medical expenses incurred by a parent as a result of the injuries sustained by his minor son caused by the assured’s negligence.

PETITION, for a declaratory judgment to determine the extent of the plaintiff’s liability under a policy of automobile liability insurance issued by it to the defendant Moulton. Trial by the court, which found the facts and transferred without ruling the question hereinafter stated.

By the terms of the policy the plaintiff agreed as follows: “To pay on behalf of the assured all sums which the assured shall become obligated to pay by reason of the liability imposed upon him by law for damages . . . on account of bodily injuries or death . . . accidently suffered . . . by any person or persons due to any accident as a result of the ownership, maintenance or use . . . of the automobile described herein.”

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Upon August 9, 1932, John Kopka, Jr., minor son of the first named defendant, was injured while riding as a passenger in the automobile covered by this policy, then operated by the defendant Moulton. Thereafter two suits were instituted against the defendant Moulton; one by John Kopka, Jr., by his father and next friend John Kopka, St., to recover for personal injuries, and the other by John Kopka, Sr., individually “to recover for hospital and medical expenses incurred as a result of the injuries sustained by his son.” A verdict of $1000 was recovered by John Kopka, Sr. in the latter action.

“The question whether the term `bodily injuries’ includes a claim by the father for medical and hospital expenses which he incurred as a result of the injuries to his minor son” was transferred without ruling by Burque, J.

Devine Tobin (Mr. Tobin orally), for the plaintiff.

Thomas J. Leonard and Neil Tolman (Mr. Leonard orally), for the defendants.

BRANCH, J.

Although the question transferred by the superior court is stated in restricted form and has specific reference only to the meaning of the term “bodily injuries,” the apparent intent was to transfer the question whether the claim of the defendant John Kopka, Sr. comes within the coverage of the policy. The case has been argued and considered upon the assumption that this was its true intent and purpose. The answer hardly admits of doubt.

If John Kopka, Jr. had been of age and had himself incurred the expenses which constitute the basis of his father’s suit, his right to claim reimbursement therefor in his suit against the defendant Moulton would have been unquestioned. The expense of hospital and medical treatment would have been regarded as a necessary incident of his bodily injuries. The fact that payment for such treatment was made or assumed by his father did not change its character as a necessary concomitant of the bodily injuries suffered by the son. It therefore seems plain to us that by the verdict of the jury, the defendant Moulton became “obligated to pay” the amount of that verdict “by reason of the liability imposed upon him by law for damages . . . on account of bodily injuries . . . accidently suffered” by John Kopka, Jr., “as a result of the use . . . of the automobile described” in the policy.

The plaintiff relies upon the case of Williams v. Nelson, 228 Mass. 191, 196 in support of its position. In that case it was held that the

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compulsory insurance act of Massachusetts requiring insurance against liability to pay damages to others for bodily injuries did not “include damage to the financial resources of the husband arising from a bodily injury to his wife.” This decision, as construed in the later case of Cormier v. Hudson, 284 Mass. 231, lends no support to the plaintiff’s argument. On the contrary, in the Cormier case, upon a state of facts completely analogous to that here presented and under a policy containing language identical with that here involved, the insurer was held liable for medical expenses and loss of services resulting to the parents of minor children directly injured by the negligence of the defendant.

The conclusion which we have reached is also sustained by recent decisions in other jurisdictions. Franklin v. Casualty Co., 225 Ala. 58; Antichi v. Indemnity Co. 126 Cal.App. 284; Kula v. Insurance Co., 8 N. J. Misc. 929.

Judgment for the defendants.

All concurred.