{ "id": 8524537, "name": "GREGORY SCOTT LAVENDER v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY", "name_abbreviation": "Lavender v. State Farm Mutual Automobile Insurance", "decision_date": "1994-11-15", "docket_number": "No. 9427SC11", "first_page": "135", "last_page": "137", "citations": [ { "type": "official", "cite": "117 N.C. App. 135" } ], "court": { "name_abbreviation": "N.C. Ct. App.", "id": 14983, "name": "North Carolina Court of Appeals" }, "jurisdiction": { "id": 5, "name_long": "North Carolina", "name": "N.C." }, "cites_to": [ { "cite": "332 S.E.2d 51", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1985, "pin_cites": [ { "page": "62" } ], "opinion_index": 0 }, { "cite": "314 N.C. 1", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 4696910 ], "year": 1985, "pin_cites": [ { "page": "20" } ], "opinion_index": 0, "case_paths": [ "/nc/314/0001-01" ] }, { "cite": "277 S.E.2d 875", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1981, "pin_cites": [ { "page": "876" } ], "opinion_index": 0 }, { "cite": "52 N.C. App. 158", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 12170096 ], "year": 1981, "pin_cites": [ { "page": "159" } ], "opinion_index": 0, "case_paths": [ "/nc-app/52/0158-01" ] }, { "cite": "64 S.E.2d 160", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1951, "pin_cites": [ { "page": "161" } ], "opinion_index": 0 }, { "cite": "233 N.C. 339", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8607093 ], "year": 1951, "pin_cites": [ { "page": "340" } ], "opinion_index": 0, "case_paths": [ "/nc/233/0339-01" ] }, { "cite": "447 S.E.2d 427", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "year": 1994, "opinion_index": 0 }, { "cite": "336 N.C. 782", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 2537547, 2534795, 2539605, 2538618, 2539453 ], "year": 1994, "opinion_index": 0, "case_paths": [ "/nc/336/0782-02", "/nc/336/0782-05", "/nc/336/0782-01", "/nc/336/0782-04", "/nc/336/0782-03" ] }, { "cite": "443 S.E.2d 85", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1994, "pin_cites": [ { "page": "88" } ], "opinion_index": 0 }, { "cite": "114 N.C. App. 749", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 8527982 ], "year": 1994, "pin_cites": [ { "page": "754" } ], "opinion_index": 0, "case_paths": [ "/nc-app/114/0749-01" ] } ], "analysis": { "cardinality": 301, "char_count": 4387, "ocr_confidence": 0.748, "pagerank": { "raw": 3.1506401395396203e-07, "percentile": 0.8626306012435474 }, "sha256": "8f7880a8d2683bc555627f832009f778474db0a345b116588fbe93d88e7e67db", "simhash": "1:59e956409927a338", "word_count": 704 }, "last_updated": "2023-07-14T20:31:41.091249+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [ "Judges JOHNSON and LEWIS concur." ], "parties": [ "GREGORY SCOTT LAVENDER v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY" ], "opinions": [ { "text": "GREENE, Judge.\nGregory Scott Lavender (plaintiff) appeals from an order entering summary judgment for State Farm.Mutual Automobile Insurance Comp\u00e1ny (defendant).\nIn this action, filed 22 March 1993, the plaintiff seeks a declaration of his rights under an insurance policy issued by the defendant to James Edward Parks, Jr. (Parks), specifically whether he is entitled to recovery from the defendant of the punitive damages awarded the plaintiff against defendant\u2019s insured. In that policy the defendant agreed to pay \u201cdamages for bodily injury or property damage for which any insured becomes legally responsible because of an auto accident.\u201d On 6 February 1988, Parks was involved in an automobile collision with the plaintiff in which the plaintiff sustained personal injuries. A jury trial was conducted and the jury rendered a verdict for the plaintiff in the amount of $30,000 in compensatory damages and $10,000 in punitive damages. A judgment for the plaintiff against Parks was docketed on 5 July 1989. On 13 July 1989, the defendant satisfied the compensatory award portion of the judgment, but not the punitive damage award.\nThe issues presented are (I) whether the policy language includes coverage for punitive damages and (II) if so, whether the three year statute of limitations bars the plaintiffs claim.\nI\nThe defendant first argues that summary judgment was appropriate because it has no liability under its policy to pay for punitive damage awards entered against its insured. We disagree. This Court has recently held that the precise language contained in this policy provided coverage for punitive damages. New South Ins. Co. v. Kidd, 114 N.C. App. 749, 754, 443 S.E.2d 85, 88, disc. rev. denied, 336 N.C. 782, 447 S.E.2d 427 (1994). If the insurance company wishes to exclude punitive damages from its coverage, it must do so specifically. Id. In the policy at issue, there is no express exclusion of punitive damages, thus the punitive damage award is within the coverage of the defendant\u2019s policy. Accordingly, summary judgment for the defendant on this issue cannot be sustained.\nII\nIn the alternative, the defendant argues that the plaintiffs claim is barred by the statute of limitations. We agree.\nIt is settled law that where \u201cthe liability of the insured has been established by judgment, the injured person may maintain an action [as a third-party beneficiary] on the [insured\u2019s] policy of [liability] insurance.\u201d Hall v. Harleysville Mut. Casualty Co., 233 N.C. 339, 340, 64 S.E.2d 160, 161 (1951); see Smith v. King, 52 N.C. App. 158, 159, 277 S.E.2d 875, 876 (1981). The injured person\u2019s claim is therefore in contract and is governed by the three year statute of limitations, N.C.G.S. \u00a7 1-52(1) (Supp. 1993), which begins to run \u201cat the time of entry of judgment against the insured.\u201d 20A John A. Appleman & Jean Appleman, Insurance Law and Practice \u00a7 11614 (rev. vol. 1980); see Penley v. Penley, 314 N.C. 1, 20, 332 S.E.2d 51, 62 (1985).\nIn this case, the complaint was filed on 22 March 1993, more than three years after 5 July 1989, the date of the entry of the judgment against Parks, the insured. Accordingly, the summary judgment of the trial court is affirmed on this basis.\nAffirmed.\nJudges JOHNSON and LEWIS concur.", "type": "majority", "author": "GREENE, Judge." } ], "attorneys": [ "Tim L. Harris & Associates, by T. Scott White and Jerry N. Ragan, for plaintiff-appellant.", "Golding, Meekins, Holden, Gosper & Stiles, by Harvey L. Gosper, Jr. and Paul R. Dickinson, for defendant-appellee." ], "corrections": "", "head_matter": "GREGORY SCOTT LAVENDER v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY\nNo. 9427SC11\n(Filed 15 November 1994)\nInsurance \u00a7 487 (NCI4th)\u2014 punitive damages \u2014 coverage included in automobile liability policy \u2014 claim barred by statute of limitations\nBecause there was no express exclusion of punitive damages in its automobile liability insurance policy, defendant insurer was required to pay punitive damages awarded plaintiff by the jury in plaintiffs personal injury action against defendant\u2019s insured; however, plaintiffs claim for punitive damages was barred by the statute of limitations where the complaint was filed more than three years after the date of entry of the judgment against the insured.\nAm Jur 2d, Automobile Insurance \u00a7 427.\nAppeal by plaintiff from order and judgment entered 26 October 1993 in Gaston County Superior Court by Judge Jesse B. Caldwell. Heard in the Court of Appeals 28 September 1994.\nTim L. Harris & Associates, by T. Scott White and Jerry N. Ragan, for plaintiff-appellant.\nGolding, Meekins, Holden, Gosper & Stiles, by Harvey L. Gosper, Jr. and Paul R. Dickinson, for defendant-appellee." }, "file_name": "0135-01", "first_page_order": 167, "last_page_order": 169 }