STATE OF MINNESOTA

IN COURT OF APPEALS

A16-1002

Sandra Castillo as Personal Representative of the 

Estate of Jose Luis Estrada-Martinez, 

Appellant, 

vs. 

American Standard Insurance 

Company of Wisconsin, 

Respondent.

Filed January 17, 2017

Affirmed

Jesson, Judge

Hennepin County District Court

File No. 27-CV-15-11939

Matthew Brenengen, Brenengen Law Offices, St. Louis Park, Minnesota (for appellant)

Rylee Retzer-Busselman, Beth K. Bussian, Eden Prairie, Minnesota (for respondent)

Considered and decided by Schellhas, Presiding Judge; Ross, Judge; and Jesson, 

Judge. 

S Y L L A B U S

When determining whether repairing or servicing a motor vehicle “occurs off the 

business premises” for purposes of the no-fault benefits exclusion under Minnesota 

Statutes section 65B.43, subdivision 3 (2016), a business premises may include a mobile 

business.
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O P I N I O N

JESSON, Judge

Jose Luis Estrada-Martinez died from carbon monoxide poisoning while repairing 

a customer’s tire inside his truck on a winter evening. In this no-fault action seeking 

personal-injury-protection benefits, appellant challenges the district court’s grant of 

summary judgment to respondent insurer. Because Estrada-Martinez’s death arose from 

conduct occurring on his business premises, so that the relevant statutory exclusion from 

coverage under Minnesota Statutes section 65B.43, subdivision 3, applies, we affirm.

FACTS

The undisputed facts establish that on December 12, 2013, Jose Luis EstradaMartinez was fixing a customer’s tire in the cargo bay of Estrada-Martinez’s box truck, a 

2002 Chevrolet Express, while the truck was parked near a tavern in Edina. EstradaMartinez was using a gasoline-powered generator to power the tire-changing equipment. 

He vented the exhaust from the generator through the side of the truck. It was a cold 

evening, and the truck’s loading door was closed. Unfortunately, a leak between the 

exhaust pipe and the generator’s manifold allowed carbon monoxide to enter the cargo 

area. The generator apparently ran until it ran out of gas. Estrada-Martinez was found 

unresponsive in the back of the truck, and he was declared dead from carbon monoxide 

poisoning at Hennepin County Medical Center. 

Estrada-Martinez held several jobs. He worked primarily as an independent 

contractor at Crosstown Auto, making auto-parts deliveries with his box truck. He also 

had a mobile business performing auto and tire repairs for other customers. He would drive 
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to customers’ locations, where he performed maintenance and repairs. Most of this repair 

work was performed in the rear cargo bay of his truck, where he kept mounting and 

repairing equipment, including tools, a large compressor, and the gasoline-powered 

generator. Occasionally, he performed repair work at the garage of his home. 

At the time of his accident, Estrada-Martinez was insured under a family automobile 

policy (no-fault policy) with respondent American Standard Insurance Company. He did 

not have a separate business insurance policy that covered his mobile auto-repair business. 

Following Estrada-Martinez’s death, appellant Sandra Castillo, the personal 

representative of his estate, made a claim for personal-injury-protection benefits for 

medical and funeral expenses. American Standard denied benefits, asserting that the

Minnesota No-Fault Automobile Insurance Act, Minn. Stat. §§ 65B.41-.71 (2016), 

excludes benefits for injuries or death arising out of the business of maintaining vehicles,

and that Estrada-Martinez was on his business premises when the accident occurred. 

Appellant commenced an action in district court, and the parties filed competing 

motions for summary judgment. After a hearing, the district court granted respondent’s 

motion for summary judgment and denied appellant’s motion. The district court concluded 

that no-fault benefits are not recoverable because the accident did not arise out of the 

maintenance or use of a motor vehicle and because the injury did not occur off business 

premises.1 This appeal follows. 

 

1 Because the district court rejected appellant’s argument that no-fault benefits were 

available under these circumstances, it did not address respondent’s argument that 

appellant was not a proper party to bring suit for benefits because Estrada-Martinez’s estate 
4

ISSUE

Did Estrada-Martinez’s death while conducting his mobile business occur “off the 

business premises” under Minnesota Statutes section 65B.43, subdivision 3, so that 

coverage was provided under his no-fault policy?

ANALYSIS

The Minnesota No-Fault Act provides for basic economic-loss benefits for losses

suffered through injury “arising out of maintenance or use of a motor vehicle.” Minn. Stat. 

§ 65B.46, subd. 1.2 These benefits are not available for loss arising from conduct that 

occurs within the course of a business of servicing, repairing, or otherwise maintaining a 

motor vehicle. Minn. Stat. § 65B.43, subd. 3. There is an exception to the vehicle-repair 

exception, however, that applies if the conduct “occurs off the business premises.” Id. 

Therefore, if Estrada-Martinez’s conduct occurred on business premises—in other words, 

if his truck qualified as “business premises”—the loss is not covered. If, on the other hand, 

Estrada-Martinez’s truck does not constitute business premises because that definition is 

restricted to businesses operating from a fixed location, the no-fault policy would cover the 

loss.

The district court granted summary judgment to American Standard, holding that 

benefits were not available because Estrada-Martinez’s conduct occurred on his business 

 

was not his dependent and was therefore not entitled to recover survivor’s economic loss 

or survivor’s replacement-services loss benefits. 

2 Basic economic-loss benefits cover several different categories of losses, including 

medical-expense loss, funeral-expense loss, income loss, and replacement-services loss. 

Minn. Stat. § 65B.44.
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premises, so that the statutory business-premises exclusion from coverage applies.3 

Summary judgment is proper if, based on the record presented to the district court, there 

are no genuine issues of material fact and a party is entitled to judgment as a matter of law. 

Minn. R. Civ. P. 56.03. We review the district court’s grant of summary judgment to 

determine whether it legally erred in applying the law to the facts presented. Steinfeldt v. 

AMCO Ins. Co., 592 N.W.2d 877, 879 (Minn. App. 1999). 

The interpretation of the No-Fault Act presents a question of law, which this court 

reviews de novo. Nelson v. Am. Family Ins. Grp., 651 N.W.2d 499, 503 (Minn. 2002). 

The goal of statutory interpretation is to effectuate legislative intent. Minn. Stat. § 645.16 

(2016); Am. Family Ins. Grp. v. Schroedl, 616 N.W.2d 273, 278 (Minn. 2000). If a statute’s 

words are free from ambiguity as applied to an existing situation, this court must follow 

the plain meaning of the statute. Minn. Stat. § 645.16; Swanson v. Brewster, 784 N.W.2d 

264, 274 (Minn. 2010). But if the statute is ambiguous, meaning that it is susceptible to 

more than one reasonable interpretation, this court may look beyond statutory language to 

ascertain legislative intent. Staab v. Diocese of St. Cloud, 813 N.W.2d 68, 73 (Minn. 2012). 

In so doing, we may consider such matters as the object to be attained and the consequences 

of a particular interpretation. Minn. Stat. § 645.16 (4), (6). 

 

3 The district court also concluded that Estrada-Martinez’s injury did not arise out of the 

use or maintenance of a motor vehicle under the three-factor test enunciated in Cont’l W. 

Ins. Co. v. Klug, 415 N.W.2d 876, 878 (Minn. 1987). But as the district court pointed out, 

appellant does not dispute that Estrada-Martinez’s conduct occurred within the business of 

repairing, servicing, or maintaining a motor vehicle. 
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Minnesota Statutes section 65B.43, subdivision 3, does not define “business 

premises.” Appellant argues that the plain meaning of “business premises” presupposes a 

fixed business location on designated real property. In some different contexts, Minnesota 

appellate courts have agreed with that reasoning. The supreme court has described 

“premises” in the context of the specificity of a search warrant to mean “land and the 

buildings and structures thereon.” McSherry v. Heimer, 132 Minn. 260, 263, 156 N.W.

130, 132 (1916). And this court has held that a statutory exception for a handgun-permit 

requirement that covered a “person’s place of business, dwelling house, premises, or . . . 

land possessed by the person” referred to a fixed business location, not a person’s mobile 

business as a courier. State v. Palmer, 636 N.W.2d 810, 812 (Minn. App. 2001) (quotation 

omitted). 

But the definition of “business premises” is not universally tied to real property. For 

example, the California Supreme Court has concluded that, for purposes of imposing tort 

liability on a vendor operating an ice-cream truck, the term “premises” may have a flexible 

meaning, which may not coincide with the real property that the vendor possesses.

Schwartz v. Helms Bakery, Ltd., 430 P.2d 68, 73 (Cal. 1967). Here, Estrada-Martinez’s 

did not conduct his vehicle-repair business primarily from a fixed location. Rather, he 

conducted it mainly from his truck, which contained tire-repair equipment such as a 

compressor and tools, and which he drove to customers’ locations to perform repairs. 

Therefore, the statutory term “business premises,” when applied to Estrada-Martinez’s 

situation, is ambiguous, and we proceed further to examine legislative intent. 
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The stated purposes of the No-Fault Act are to relieve severe economic distress for 

uncompensated victims of automobile accidents and to correct abuses and imbalances in 

the operation of the automobile tort liability system. Galle v. Excalibur Ins. Co., 317 

N.W.2d 368, 371 (Minn. 1982); see Minn. Stat. § 65B.42. This court has held that the 

exclusion for conduct within the course of business of repairing vehicles did not preclude 

coverage when an off-duty employee was conducting repair work on his own personal 

vehicle, even though the work occurred on his employer’s premises. Midwest Family Mut. 

Ins. Co. v. Karpe, 430 N.W.2d 856, 860 (Minn. App. 1988), review denied (Minn. Dec. 21, 

1988); see also Commissioners’ Comments, Unif. Motor Vehicle Accident Reparations 

Act § 1, 14 U.L.A. 48 (2005) (stating that injuries from the activities of business operation 

are excluded from no-fault coverage if they occur on the business premises; thus, an 

employee who suffers injury in an accident while test-driving a vehicle would be entitled 

to basic reparation benefits). 

We have also held that the business-premises exclusion applies to injured employees 

of a business, not to its customers. Horace Mann Ins. Co. v. Goebel, 504 N.W.2d 278, 281 

(Minn. App. 1993). To hold otherwise would create a gap in no-fault coverage and require 

an injured customer to sue in a traditional negligence action, an event that the no-fault 

statute was designed to eliminate. Id. at 280-81. 

In this case, however, Estrada-Martinez was not an injured business customer. See 

id. Nor was he an employee working on his own personal vehicle or at a location away 

from the premises where he typically conducts his business. See Karpe, 430 N.W.2d at 

860. Rather, he was the business owner, and his injury occurred while he was working on 
8

a customer’s vehicle at his primary business location—his truck’s cargo bay. Therefore, 

when he was working on customers’ vehicles in his truck as a part of his business, he did 

not fall within the category of persons whom the No-Fault Act was designed to protect. Cf. 

Horace Mann, 504 N.W.2d at 281. 

We add that a repair business poses injury risks more typically covered by 

occupational insurance. As one commentator has noted, in a business situation, “[a]lthough 

[an] injury may arise quite directly out of the maintenance or use of a motor vehicle, the 

risk of injury is an occupational risk more appropriately covered by other forms of 

compensation or insurance.” Theodore J. Smetak et al., Minnesota Motor Vehicle 

Insurance Manual, § III.F., at 20 (3d ed. 2000). Using similar reasoning, the supreme 

court, in resolving a liability-coverage dispute, has held that a general-comprehensiveliability business policy afforded coverage for “liability for damages caused by accident in 

the operation of the business and was not an automobile liability policy covering accidents 

arising out of the operation of a motor vehicle off the premises.” Hayden v. Nisen, 276 

Minn. 22, 24, 148 N.W.2d 366, 367 (1967). Similarly, it would be reasonable to expect 

that an auto-repair-business owner would purchase another form of insurance to cover any 

business-related injuries. 

We conclude that “business premises” may include a cargo bay of a truck in which 

a mobile auto-repair business typically conducts its services. Thus, Estrada-Martinez’s 

injury occurred on “business premises” within the meaning of section 65B.43, subdivision 

3, and, therefore, his no-fault policy does not cover the claims asserted by his estate. That

Estrada-Martinez’s business premises happened to be a mobile truck, rather than a building 
9

located on a certain piece of real property, does not change our analysis. Although EstradaMartinez was engaged in maintenance of a motor vehicle when he died, the reach of the 

no-fault statute does not extend to this type of situation, when a party is engaged in business 

operations and sustains injury while performing work in his primary business location. 

It is undeniable that Estrada-Martinez died under tragic circumstances. But the NoFault Act is a creation of statute, and policy decisions are the province of the legislature, 

not the courts. Steinfeldt, 592 N.W.2d at 880. Because Estrada-Martinez’s injury occurred 

while he was performing repair work for customers in his truck, which was his business 

premises, the scope of no-fault coverage does not extend to compensation in this case. 

D E C I S I O N

Because Estrada-Martinez’s accident occurred on his business premises, the 

statutory exclusion from benefits for repairing, servicing, or maintaining motor vehicles 

“unless the conduct occurs off the business premises” applies to the asserted claims for nofault benefits. See Minn. Stat. § 65B.43, subd. 3. The district court did not err by 

concluding that, as a matter of law, Estrada-Martinez’s no-fault policy does not provide

coverage for those claims. 

Affirmed.