ALLSTATE INSURANCE COMPANY, APPELLANT,
v.
EDWARD CARONIA, JR., EDWARD CARONIA, SR., AND INDIANA INSURANCE COMPANY, APPELLEES; EDWARD CARONIA, JR., EDWARD CARONIA, SR., AND INDIANA INSURANCE COMPANY, APPELLANTS, V. TRAVELERS INSURANCE COMPANY, APPELLEE
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The court held that a homeowners insurance policy exclusion for 'land vehicles' applied to a motorcycle, thus denying coverage.
[1] A homeowner's insurance policy exclusion for "land vehicles" applies to a two-wheeled motorcycle.
[2] A policy exclusion for "motor vehicles" may apply to a two-wheeled motorcycle, depending on the policy's definition of "motor vehicle."
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BARKDULL, Judge.
Subsequent to our opinion, reported in Indiana Insurance Company v. Collins, 359 So. 2d 916 (Fla. 3d DCA 1978), this matter reoccurred in the trial court.1
After Indiana had settled the claim of the Collins’ and became subordinated to their rights, it ultimately filed a second amended third-party complaint seeking relief against the Caronias (Junior and Senior); Foster (the owner of the motorcycle which was being operated by Caronia, Jr. when the minor Collins, plaintiff in the original action, was injured); against Caronia, Jr. (as the driver); Caronia, Sr. (as the driver’s father, pursuant to an authorization to secure a motor vehicle license executed pursuant to Section 322.09 Florida Statutes (1975), Caronia, Jr. being under 16 years of age at the time of the issuance of this license, it was restricted as to the operation of a motorcycle);2 against Travelers (the auto insurance carrier for Coronia, Sr.); against Allstate (insurance carrier for Caro-nia, Sr. on his home); against Fuchs Bakery (as the owner of the other vehicle in the accident); against Liberty Mutual (Fuchs’ automobile insurance carrier); and Alton Ansley (Fuchs’ driver). Cross-claims were filed by the Caronias against Travelers and Allstate.
Thereafter, the matter came on to be heard before the trial court on motions for summary judgment filed by Indiana, Travelers, Allstate, and the Caronias.
The trial court granted Caronias’ motion for summary judgment against Allstate, finding coverage under its homeowners policy. It granted Travelers’ motion for summary judgment, finding no coverage under its policy. It denied Caronias’ motion for summary judgment as against Travelers and against Indiana. It denied Indiana’s motion for summary judgment against Travelers, Allstate, and the Caronias. Thereafter, Indiana appealed the order denying its motion for summary judgment.3 The Caronias appealed the order denying their motion for summary judgment against Travelers,4 and Allstate appealed the summary judgment finding coverage in favor of the Caronias. These appeals were consolidated, briefed and oral argument was held thereon. After oral argument, this court, on November 17, 1980, relinquished jurisdiction to the trial court for thirty days to enter a nunc pro tunc order granting a final summary judgment. The Caronias and Indiana failed to comply with this order and, on January 13, 1981, this court entered its order dismissing their appeals in Cases Nos. 79-2241 and 79-2261 for failure to comply with this court’s order of November 17, 1980.
On Allstate’s appeal we reverse the summary judgment finding coverage or liability to the Caronias. The policy specifically excluded coverage for “land vehicles”;5 a two-wheeled motorcycle is obviously a land vehicle. Therefore, it was within the exclusion and no coverage was afforded under this homeowner’s policy. Dorrell v. State Fire and Casualty Company, 221 So. 2d 5 (Fla. 3d DCA 1969); Lamos v. Consolidated Mutual Insurance Company, 274 So. 2d 552 (Fla. 3d DCA 1973). The September 9, 1979 order appealed by Allstate in Case No. 79-1994 be and the same is hereby reversed, and the cause is remanded to the trial court for further proceedings.
Reversed and remanded with directions.
. See earlier opinion.
. The question of the father’s liability for violation of restriction by son remains open. See and compare: Farrier v. Thompson, 234 So. 2d 11 (Fla. 4th DCA 1970).
. This was a non-appealable order and the appeal was dismissed. See: Shupack v. Allstate Insurance Company, 356 So. 2d 1298 (Fla. 3d DCA 1978); Aetna Casualty & Surety Co. v. Meyer, 385 So. 2d 10 (Fla. 3d DCA 1980); Let’s Help Florida v. DHS Films, Inc., 392 So. 2d 915 (Fla. 3d DCA 1980).
.See footnote 3.
.
“This policy does not apply:
1. Under Coverage X — Family Liability and Coverage Y — Guest Medical Payments:
(a) to bodily injury or property damage arising out of the ownership, maintenance, operation, use, loading or unloading of:
(1) any aircraft: or
(2) any motor vehicle owned or operated by, or rented or loaned to ‘any’ Insured ...”
Page 14 of said policy provides:
“3. ‘motor vehicle’ means a land motor vehicle, trailer, or semitrailer designed for travel on public roads (including any machinery or apparatus attached thereto) but does not include, except while being towed by or carried on a motor vehicle, any of the following: utility, boat, camp or home trailer, recreational motor vehicle, crawler or farm type tractor, farm implement or, if not subject to motor vehicle registration, any equipment which is designed for use primarily off public roads.”
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Tomlinson v. State Farm Fire & Cas. Co. & State Farm Mut. Auto. Ins. Co., 579 So. 2d 211 (Fla. 2d DCA 1991)…injury ... arising out of the ownership, maintenance, use ... of ... a motor vehicle owned or operated by ... an insured.” Under the policy Jason, as a resident member of the Daugher-tys’ household, was an insured. See Allstate Ins. Co. v. Caronia, 395 So. 2d 1221 (Fla. 3d DCA 1981). The umbrella policy excluded coverage because it specifically provided that We will not provide ... Personal Liability or Defense and Settlement Coverage for any insured for a loss sustained while an automobile ... or any other…
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Ortiz v. Bankers Standard Ins. Co., 475 So. 2d 1012 (Fla. 3d DCA 1985)…claratory Judgment, in that a moped is a motor vehicle under the homeowner’s policy. The issue before this court is whether a moped is a motor vehicle under the exclusionary language of the homeowner’s policy- In Allstate Insurance Co. v. Caronia, 395 So. 2d 1221 (Fla. 3d DCA 1981) we reviewed identical language in a homeowner’s policy, and held that a two-wheeled motorcycle was a motor vehicle within the exclusionary language of the policy. The same language was also considered by the Fifth District Court o…
Authorities Cited
- Shupack v. Allstate Ins. Co., 356 So. 2d 1298 (Fla. 3d DCA 1978)
- AETNA Cas. & Sur. Co. & Morton Ins. Agency, Inc. v. Meyer, 385 So. 2d 10 (Fla. 3d DCA 1980)
- Ind. Ins. Co. v. Collins, 359 So. 2d 916 (Fla. 3d DCA 1978)
- Let's Help Florida v. DHS Films, Inc., 392 So. 2d 915 (Fla. 3d DCA 1980)
- Jackson v. State, 221 So. 2d 5 (Fla. 3d DCA 1969)
- Dorrell v. State Fire & Cas. Co., 221 So. 2d 5 (Fla. 3d DCA 1969)
- Farrier v. Thompson, 234 So. 2d 11 (Fla. 4th DCA 1970)
- Cleveland Frazier v. The City OF Miami, 274 So. 2d 552 (Fla. 3d DCA 1973)
- Lamos v. Consol. Mut. Ins. Co., 274 So. 2d 552 (Fla. 3d DCA 1973)