{ "id": 1599018, "name": "Homer GARZA, d/b/a Sunshine Dairy, for himself as insured, and in behalf of Camilla, a/k/a Kammy Villalobos, Claimant and also insured, Plaintiffs-Appellees, v. GLEN FALLS INSURANCE COMPANY and Continental Insurance Companies, Defendants-Appellants", "name_abbreviation": "Garza v. Glen Falls Insurance", "decision_date": "1986-12-17", "docket_number": "No. 16633", "first_page": "220", "last_page": "223", "citations": [ { "type": "official", "cite": "105 N.M. 220" }, { "type": "parallel", "cite": "731 P.2d 363" } ], "court": { "name_abbreviation": "N.M.", "id": 8835, "name": "Supreme Court of New Mexico" }, "jurisdiction": { "id": 52, "name_long": "New Mexico", "name": "N.M." }, "cites_to": [ { "cite": "569 P.2d 414", "category": "reporters:state_regional", "reporter": "P.2d", "year": 1977, "opinion_index": 0 }, { "cite": "91 N.M. 4", "category": "reporters:state", "reporter": "N.M.", "year": 1977, "opinion_index": 0 }, { "cite": "90 N.M. 620", "category": "reporters:state", "reporter": "N.M.", "case_ids": [ 2867077 ], "weight": 2, "opinion_index": 0, "case_paths": [ "/nm/90/0620-01" ] }, { "cite": "182 Neb. 805", "category": "reporters:state", "reporter": "Neb.", "case_ids": [ 5161389 ], "weight": 2, "year": 1968, "opinion_index": 0, "case_paths": [ "/neb/182/0805-01" ] }, { "cite": "156 Mont. 118", "category": "reporters:state", "reporter": "Mont.", "case_ids": [ 5277927 ], "weight": 2, "year": 1970, "opinion_index": 0, "case_paths": [ "/mont/156/0118-01" ] }, { "cite": "457 S.W.2d 823", "category": "reporters:state_regional", "reporter": "S.W.2d", "case_ids": [ 10150352 ], "opinion_index": 0, "case_paths": [ "/sw2d/457/0823-01" ] }, { "cite": "204 Kan. 694", "category": "reporters:state", "reporter": "Kan.", "case_ids": [ 524175 ], "weight": 2, "year": 1970, "opinion_index": 0, "case_paths": [ "/kan/204/0694-01" ] }, { "cite": "196 N.E.2d 707", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1964, "opinion_index": 0 }, { "cite": "46 Ill.App.2d 184", "category": "reporters:state", "reporter": "Ill. App. 2d", "case_ids": [ 5265669 ], "year": 1964, "opinion_index": 0, "case_paths": [ "/ill-app-2d/46/0184-01" ] }, { "cite": "147 S.E.2d 424", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1966, "opinion_index": 0 }, { "cite": "221 Ga. 804", "category": "reporters:state", "reporter": "Ga.", "case_ids": [ 1099349 ], "year": 1966, "opinion_index": 0, "case_paths": [ "/ga/221/0804-01" ] }, { "cite": "210 So.2d 715", "category": "reporters:state_regional", "reporter": "So. 2d", "case_ids": [ 9814220 ], "opinion_index": 0, "case_paths": [ "/so2d/210/0715-01" ] }, { "cite": "97 N.M. 470", "category": "reporters:state", "reporter": "N.M.", "case_ids": [ 1555128 ], "weight": 4, "year": 1982, "pin_cites": [ { "page": "472" }, { "page": "503" } ], "opinion_index": 0, "case_paths": [ "/nm/97/0470-01" ] } ], "analysis": { "cardinality": 479, "char_count": 10092, "ocr_confidence": 0.801, "pagerank": { "raw": 1.8208608603438274e-07, "percentile": 0.7191994591190451 }, "sha256": "05ffbfb472efd303b642cc3f1b11310e51f2a04d4be69d02dd6108069dcf83ba", "simhash": "1:f4a64288bb34ac92", "word_count": 1566 }, "last_updated": "2023-07-14T20:20:30.820213+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [ "STOWERS, C.J., and RIORDAN, J., concur." ], "parties": [ "Homer GARZA, d/b/a Sunshine Dairy, for himself as insured, and in behalf of Camilla, a/k/a Kammy Villalobos, Claimant and also insured, Plaintiffs-Appellees, v. GLEN FALLS INSURANCE COMPANY and Continental Insurance Companies, Defendants-Appellants." ], "opinions": [ { "text": "OPINION\nFEDERICI, Justice.\nThis litigation arose out of a one vehicle automobile accident which occurred on May 18, 1985, in Dona Ana County, New Mexico. At that time, Adriel Garza, the son of plaintiff-appellee Homer Garza (plaintiff), was driving a vehicle owned by plaintiff and insured by defendants. Plaintiff-appellee Camilla Villalobos, also known as Kammy Villalobos (Villalobos), was a passenger in the vehicle driven by Adriel Garza. Both plaintiff and defendants filed motions for summary judgment. The court granted plaintiff\u2019s motion for partial summary judgment and denied defendants\u2019 motion for summary judgment. This Court granted an interlocutory appeal. We reverse.\nThe accident occurred while Adriel Garza was travelling at excessive speeds and was being chased by the New Mexico State Police. After being chased by the police vehicles for several miles, the motor vehicle driven by Adriel Garza ran off the road and turned over. As a result of the accident, the passenger, Villalobos, allegedly sustained personal injuries.\nVillalobos has not instigated litigation against either Adriel Garza or plaintiff to recover damages for personal injuries sustained in the accident. The caption of the complaint reads: \u201cHOMER GARZA d/b/a SUNSHINE DAIRY, Vado, New Mexico, for Himself, as Insured, and in Behalf of Camilla (a/k/a Kammy) Villalobos, Claimant and Also Insured.\u201d There are no allegations in the complaint to support plaintiffs purported representation in behalf of Villalobos.\nPlaintiffs first amended complaint asked for relief based upon several causes of action. Plaintiff asked for punitive damages against Glen Falls Insurance Company and Continental Insurance Companies (defendants) for bad faith denial of insurance coverage to plaintiff and Adriel Garza. Plaintiff also asked for compensatory damages for breach of contract and breach of fiduciary obligations. Plaintiffs motion for partial summary judgment asked the trial court to determine that he was entitled to insurance coverage under defendants\u2019 policies at the time of the accident.\nDefendants insured plaintiff under Policy No. RFD 49670. In connection with this particular automobile policy, defendants, through a \u201cdrivers exclusion endorsement,\u201d excluded all coverage of plaintiff\u2019s insured automobiles while they were being driven or operated by Adriel Garza, effective December 1, 1984. The drivers exclusion endorsement to the policy was signed by plaintiff and reads:\nIn consideration of the premium for which the policy is written, it is agreed that the company shall not be liable and no liability or obligation of any kind shall be attached to the company for losses or damages sustained after the effective date of this endorsement while any motor vehicle insured hereunder is driven or operated by ADRIEL GARZA.\nThe drivers exclusion endorsement was requested by defendants and was attached to the policy because Adriel Garza, plaintiff\u2019s son, had on previous occasions been involved in accidents, been convicted of driving while intoxicated, been cited for speeding, and had his driver\u2019s license revoked. Plaintiff, in his deposition, stated that he understood that there would be no insurance for him or for his son, Adriel, at any time that Adriel was driving one of plaintiff\u2019s cars after this drivers exclusion endorsement became effective. He acknowledged that he was told by defendants\u2019 insurance agent that his son was being excluded from the policies for the reasons mentioned above. Plaintiff knew and understood that Adriel was not to drive plaintiff\u2019s motor vehicles after the drivers exclusion endorsement became effective, and that if he did, there would be no coverage under the policy while Adriel was driving. Defendants denied insurance coverage for the accident of May 18, 1985, to plaintiff and Adriel Garza because of the drivers exclusion endorsement.\nDefendants moved for summary judgment on the following grounds: (1) Plaintiff signed the drivers exclusion endorsement, set forth above, which was attached to the policy in question and excluded coverage while the motor vehicle was driven by Adriel Garza; and (2) Plaintiff was aware of the meaning of the drivers exclusion endorsement and knew there would be no coverage under the policy in question at any time any motor vehicle insured under the policy was driven by Adriel Garza.\nThe trial judge entered an order denying defendants\u2019 motion for summary judgment and granting plaintiff\u2019s motion for partial summary judgment. Relying on State Farm Automobile Insurance Co. v. Kiehne, 97 N.M. 470, 641 P.2d 501 (1982), the judge reasoned that uninsured motorist coverage can be bargained away since it is not mandatory coverage, whereas liability insurance coverage cannot be bargained away since it is statutorily mandated. We disagree.\nThe single issue presented by both motions for summary judgment concerns the validity of the drivers exclusion endorsement and whether that exclusion governs not only the driver of the vehicle, the insured\u2019s son, but also extends to liability incurred by others because of the conduct of the son.\nThis Court has held that a drivers exclusion endorsement is valid and enforceable insofar as it concerns uninsured motorist coverage. Kiehne. However, this is a case of first impression because liability coverage of a named insured is involved.\nThe drivers exclusion endorsement provides that the company shall not be liable and no liability or obligation of any kind shall be attached to the company for damages sustained while any motor vehicle insured under the policy is driven by Adriel Garza, son of the insured.\nIn Kiehne, the drivers exclusion endorsement was clear and unambiguous and excluded \u201cany kind\u201d of liability when the excluded driver was driving. In that case, the Court held that when the excluded driver was driving, \u201cno one could be an \u2018insured\u2019 and claim coverage under the uninsured motorist provision of the policy.\u201d Id. at 472, 641 P.2d at 503.\nWe now hold that the clear and unambiguous drivers exclusion endorsement in this case likewise relieves defendants from their obligations of any kind under liability provisions of the policy. We note that our holding is consistent with those of several other jurisdictions. See, e.g., Bankers & Shippers Insurance Co. v. Phoenix Assurance Co., 210 So.2d 715 (Fla.1968); Nelson v. Southern Guaranty Insurance Co., 221 Ga. 804, 147 S.E.2d 424 (1966); Meyer v. Aetna Casualty Insurance Co., 46 Ill.App.2d 184, 196 N.E.2d 707 (1964); Miller v. State Farm Mutual Automobile Insurance Co., 204 Kan. 694, 466 P.2d 336 (1970); Deutsch v. State Farm Mutual Automobile Insurance Co., 457 S.W.2d 823 (Mo.App.1970); Rooney v. Agricultural Insurance Co., 156 Mont. 118, 476 P.2d 783 (1970); State Farm Mutual Automobile Insurance Co. v. Pierce, 182 Neb. 805, 157 N.W.2d 399 (1968).\nPlaintiff contends that the uninsured motorist statutes supercede the drivers exclusion endorsement. On the contrary, we note that the use of such a drivers exclusion endorsement is expressly permitted under the Mandatory Financial Responsibility Act. NMSA 1978, Section 66-5-221(K) (Repl.Pamp.1984) reads:\nThe certified motor vehicle liability policy may be endorsed to eliminate a named driver. Such endorsement must bear the signatures of the named insured. Forms for such named drivers exclusion must be substantially similar to the form provided in Section 66-5-222 NMSA 1978. Such endorsement applies only to private passenger motor vehicles. (Emphasis added.)\nNMSA 1978, Section 66-5-222 (Repl. Pamp.1984) provides the language to be used in a drivers exclusion endorsement form:\nIn consideration of the premium for which the policy is written, it is agreed that the company shall not be liable and no liability or obligation of any kind shall be attached to the company for losses or damages sustained after the effective date of this endorsement while any motor vehicle insured hereinunder is driven or operated by (name of excluded drivers)).\nThe drivers exclusion endorsement attached to defendants\u2019 policy in this case is exactly in the same form as set forth above in Section 66-5-222.\nThe operative language of the exclusion, that the insurer \u201cshall not be liable and no liability or obligation of any kind shall be attached,\u201d is clear and unambiguous and withholds all coverage under the policy when Adriel Garza is driving. The Mandatory Financial Responsibility Act confirms this result since the Act specifically authorizes the use of the drivers exclusion endorsement and provides the words to be used in the drivers exclusion form. We cannot rewrite the insurance contract for the parties. Where the exclusion is clear and unambiguous we are required to enforce its provisions. See Thompson v. Occidental Life Insurance Co., 90 N.M. 620, 567 P.2d 62 (Ct.App.), cert. denied, 91 N.M. 4, 569 P.2d 414 (1977).\nOur opinion is limited to a determination of the legal issue submitted to us. We have been called upon to decide whether Homer Garza, plaintiff, has insurance coverage for the May 18, 1985 accident under the policy issued by defendants. We hold that plaintiff has no coverage for the accident under the automobile insurance policy as modified by the drivers exclusion endorsement. We do not determine in this case whether there are other causes of action or issues which may be available to or against other parties.\nThe judgment of the trial court is reversed with instructions to enter summary judgment for defendants and to deny summary judgment to plaintiff.\nIT IS SO ORDERED.\nSTOWERS, C.J., and RIORDAN, J., concur.", "type": "majority", "author": "FEDERICI, Justice." } ], "attorneys": [ "Farlow, Simone, Roberts & Weiss, LeRoi Farlow, Albuquerque, for defendants-appellants.", "Edward E. Triviz, Las Cruces, for plaintiffs-appellees." ], "corrections": "", "head_matter": "731 P.2d 363\nHomer GARZA, d/b/a Sunshine Dairy, for himself as insured, and in behalf of Camilla, a/k/a Kammy Villalobos, Claimant and also insured, Plaintiffs-Appellees, v. GLEN FALLS INSURANCE COMPANY and Continental Insurance Companies, Defendants-Appellants.\nNo. 16633.\nSupreme Court of New Mexico.\nDec. 17, 1986.\nRehearing Denied Jan. 30, 1987.\nFarlow, Simone, Roberts & Weiss, LeRoi Farlow, Albuquerque, for defendants-appellants.\nEdward E. Triviz, Las Cruces, for plaintiffs-appellees." }, "file_name": "0220-01", "first_page_order": 260, "last_page_order": 263 }