State Farm v. Paden-Adams

THIS OPINION HAS NO PRECEDENTIAL VALUE. IT SHOULD NOT BE
CITED OR RELIED ON AS PRECEDENT IN ANY PROCEEDING
EXCEPT AS PROVIDED BY RULE 268(d)(2), SCACR.

THE STATE OF SOUTH CAROLINA
In The Court of Appeals

State Farm Fire and Casualty Company, Respondent,

v.

Phyllis Paden-Adams and Alonzo Adams, Appellants.

Appellate Case No. 2012-205589

Appeal From York County
John C. Hayes, III, Circuit Court Judge

Unpublished Opinion No. 2013-UP-299
Heard January 16, 2013 – Filed July 3, 2013

AFFIRMED

Walter Keith Martens and Christi P. Cox, both of
Hamilton, Martens, Ballou, & Carroll, LLC, of Rock
Hill, for Appellants.

Ronnie Fred Craig, of Clawson & Staubes, LLC, of
Charlotte, N.C., and Charles R. Norris, of Nelson,
Mullins, Riley, & Scarborough, LLP, of Charleston, for
Respondent.
PER CURIAM: Phyllis Paden-Adams and her husband Alonzo Adams
(collectively Paden-Adams) appeal the trial court's granting of summary judgment
in favor of State Farm Fire and Casualty Company in which the trial court held
Paden-Adams was not entitled to underinsured motorist insurance coverage. We
affirm.

We find the trial court did not err in holding as a matter of law Paden-Adams was
not entitled to UIM coverage under the statutory or policy language. See S.C.
Code Ann. § 38-77-140(A) (Supp. 2012) (providing insurance coverage for
injuries arising out of the "ownership, maintenance, or use" of a vehicle); Peagler
v. USAA Ins. Co., 368 S.C. 153, 159-60, 628 S.E.2d 475, 478 (2006) (stating that
to establish an injury out of the "ownership, maintenance, or use" of a motor
vehicle, the party seeking coverage must show "(1) a causal connection exists
between the vehicle and the injury, (2) no act of independent significance breaks
the causal link between the vehicle and the injury, and (3) the vehicle was being
used for transportation purposes at the time of the injury"); id. at 160, 628 S.E.2d
at 479 ("The focus is on the extent of the role, if any, the vehicle played in causing
the injuries or damage, or whether a particular activity is a covered use as required
by statute or a policy provision."); Canal Ins. Co. v. Ins. Co. of N. Am., 315 S.C. 1,
4, 431 S.E.2d 577, 579 (1993) (construing section 38-77-140 and defining "use of
a motor vehicle" as limited to transportation uses); S.C. Const. art. V § 9 ("The
decisions of the Supreme Court shall bind the Court of Appeals as precedents.");
Campbell v. Robinson, 398 S.C. 12, 18, 726 S.E.2d 221, 225 (Ct. App. 2012)
(stating this court may not overrule supreme court precedent); Hite v. Hartford
Accident & Indem. Co., 288 S.C. 616, 619, 344 S.E.2d 173, 175 (Ct. App. 1986)
(holding the term "use" is "unquestionably a broader term than 'operate' or
'drive.'"). Paden-Adams's expert witness opined her accident was caused by the
failure of the South Carolina Department of Transportation's emulsion distributor
vehicle to apply a uniform layer of emulsion at a sufficient application rate. Thus,
even if we consider the timeframe in which the vehicle was being operated, we
find it was being used for construction purposes and not transportation.

AFFIRMED.

HUFF, THOMAS, and GEATHERS, JJ., concur.