### IN THE SUPREME COURT OF IOWA

No. 15

– 1758
Filed December 9 , 2016 Amended February 16, 2017

STATE OF IOWA , Appellee ,

vs.
ROBERT LIONEL DUBOIS , Appell ant

.
Appeal from the Iowa District Court for Marion County, Martha
Mertz , Judge.

Defendant appeals from district court’s restitution order.
AFFIRMED.

Mathew D. Zinkula of Booth Law Firm, Osceola , for appellant

.

Thomas J. Miller, Attorney General, Martha E. Trout, Assistant Attorney General, Edward W. Bull, County Attorney, and Jared C. Harmon, Assistant County Attorney , for appellee.2

APPEL , Justice
. In this case, we consider the relationship between restitution in a
criminal case und er Iowa Code sectio n 910.3 (2014 ) and the possible availability of insurance coverage of the loss . A district court ordered restitution in the full amount of loss without a deduction for potential insurance coverage. The defendant maintains that restitution should be
limit ed to the amount of the insurance deductible and any other co sts not covered by insurance. For the reasons expressed below, we affirm
the restitution order of the district court.
I. Facts and Background Proceedings

. Lisa and Robert Dub ois divorced in 2008. In September of 2014,
t heir teenage son had been living with Lisa but decided he wanted to live
with h is father. Robert picked him up from Lisa’s residence on September 10 . The teenager, however, left many of his belongings at his
mother’s house. The next day, Robert drove his son back to the residence to retrieve his belongings, but Lisa was not home and the door was locked. The
teen en tered the home through a second

- story window. In addition to taking his belongings, the teen took savings bond s, stereo equipment, tire ramps, and a leaf blower with his father’s permission. When Lisa returned to the home, she saw that her stereo receiver and speakers were missing along with several pieces of jewelry, a necklace with a locket, diamond earrings, a nd a tennis bracelet.
Lisa called 911 and report ed the break

- in. Robert admitted he was present when some of the items were removed from the house. He eventually returned the ramps, the leaf blower, and the stereo speakers
but did not return the receive r because he claimed to have paid for it.3 Robert asserted he knew nothing about the jewelry or missing savings
bonds. The State charged Robert with burglary in the third degree. The defendant entered a guilty plea to theft in the third degree . The dist rict
court senten ced Dubois to a two

- year prison term, suspended the sentence, and placed him on probation for a year.
The district court also entered an order of restitution. The or der provided that Robert pay $2 950 in restitution to Lisa. The defendan t objected and the district court set the matter for hearing. At the hearing,
Lisa stated she had an insurance policy in place that had a deductible in the amount of $1000. She stated that she had not filed a claim with her insurance company for the stol en items

. After the hearing, the district
court ordered the defendant to pay $2001 in restitution. Robert appeals. On appeal, he claims that the restitution award should be limited to reflect only l osses not covered by insurance.
II. Standard of Revie w . We review restitution orders for corrections of errors at law . State
v. Jenkins , 788 N.W.2d 640, 642 (Iowa 201 0 ).
III. Discussion. In this appeal, the fighting issue is whether the district court
should have limited the restitution award to reflect only losses not covered by insurance. We begin by examining the law of restitution. Restitution is a
creature of statute

. State v. Hagen , 840 N.W.2d 140, 149 (Iowa 2013)

. The framework for statutory restitution is provided in Iowa Code c hapter 910. Under the statute, “restitution” means “ payments of pecuniary damages to a victim in an amount and in the manner provided by the offender’s plan of restitution. ” Iowa Code § 910.1( 4).4 Of particular importance to us in this case, the legislat ure has provided that “ p ecuniary damages” means “all damages to the extent not paid by an insurer, which a victim could re cover against the offender in a civil action arising out of the same facts or event.” Id. § 910.1( 3). The statutory language at the heart of this dispute is the meaning of the phrase “to the extent not paid by an insurer” in Iowa Code section 910.1(3). Robert maintains that this phrase can reasonably be read as referring to instances in which the victim has no applicable insurance pol icy in place which covers the l o ss for which he or she is seeking compensation in the restitution action. According to Robert, it does not
matter whether a n insurance claim has actually been filed or paid at the
t ime of the restitution hearing. Robert ar gues that the phrase “not paid by an insurer” is a reference to amounts that the victim’s insurance poli cy does not or would not cover. Robert claims his interpretation of the statute is consistent with the primary purpose of restitution orders, which is to make the victim
whole. See State v

. Ihde , 532 N.W.2d 827, 829 (Iowa Ct. App. 1995) . He suggests that if the statute receives the interpretation advanced by the State, the crime victim may receive a windfall payment from the offender and payment from the victim’s insurer. Robert argues that the statute was not designed to allow such double recovery. The State focuses on the language of Iowa Code section 910.1(3), which provides that pecuniary damage recoverable by a victim includes “all damages to the extent not paid by an insurer, which a victim could recover against the offender in a civil action arising out of the same facts
or event .” The State notes that the statutory language does not require a
victim seeking pecuniary damages from an offender to file a cl a im with5 her own insurance plan before restitution is ordered. According to the State, a victim with insurance has an option of seeking restitution from a
defendant before he or she pursues other options, including potential insurance recovery. The parties have found only one case from another jurisdiction of
relevance to the issues here

. In People v

. Nystrom , a victim declined to make a coverage claim with an insurer on the ground that the p roperty damage was less than $3 00 0 and the event would have been his third accident of the year, thereby risking a loss of his insurance policy. 10
Cal. Rptr

. 2d 94, 97 (Ct. App. 1992). Under the statute in question, the victim was entitled to recover pecuniary loss for “ expenses for wh ich the victim has not and will not be reimbursed from any other source.” Id. (quoting Cal. Gov’ t Code § 13960(d)). The offender argued that because the victim had insurance coverage, he should not be required to pay
restitution. Id. The California app ellate court disagreed

. Id. at 97

– 98. According
to the Nystrom court, the statute did not impose an affirmative duty on the victim to pursue all possible sources of reimbursement before claiming restitution. Id. at 97. The Nystrom court pointed out that in this case, the victim testified that he would not file a claim for the
reasons cited above. Id. The Nystrom court emphasized that from the perspective of the defendant, the fact that the victim had insurance was purely fortuitou s and should not entit le the defendant to benefit. Id

. Although the language of the statute involved in Nystrom is somewhat different than the Iowa restitution statute, we think the reasoning in Nystrom is persuasive. There is nothing in Iowa Code
secti on 910.1(3) that requires a victim to seek insurance c overage for pecuniary damage. The statute simply provides that a victim is entitled6

to restitution of all damages not paid by an insurer

. According to ordinary usage, t he term “ all damages to the exte nt not paid by an
insurer ” means a ll a mounts not actually paid . It does not mean amounts that might be paid, could be paid, will be paid, or even should be paid by
the insurer. No doubt, the legislature could have taken a different approach to the questi on of the role of insurance in determining restitution amounts. See generally George Blum , Annotation , Measure and Elements of
Restitution to Which Victim Is Entitled U nder State Criminal S tatute , 15
A.L.R. 5th 391 ( 1993 & Supp. 2016) (presenting a kaleidoscope of restitution cases, including those i nvolving insurance proceeds). But the legislature in Iowa did not limit restitution to “amounts not covered ” by
insurance. We are not in the business of rewriting express statutory
terms. See Teggatz v

. Ringleb , 6 10 N.W.2d 527, 530 (Iowa 2000). We should note that our interpretation does not produce absurd results. Whether or not certain losses are “covered” by an insurance policy can often be contested and can lead to protracted disputes.
Whether or not a loss has been paid at the time of a restitution hearing, however, is a simple yes or no question. Thus, the interpretation offered by Robert, in addition to running counter to the express language of the statute, wou ld present workability issues. At the same time, we recognize the power in Robert’s general argument against double recovery. Under Iowa Code section 910.7(1), an offender during the period of probation, parole, or incarceration may petition the court on any matter related to the plan of restitution or plan of payment. In State v. Klawo n n , the offender filed a motion to modify a
restitution order in a vehicular homicide case when his insurer paid the estate of the decedent $275,000 after the restitution order was entered.7

688 N.W.2d 2 71, 273 (Iowa 2004). We held that the offender was entitled
to a reduction to the restitution in order to avoid a windfall to the estate

. Id

. at 275

– 76 ; s ee also State v. Driscoll , 839 N.W.2d 188 , 192 (Iowa 2013) (adjusting the restitution award in a vehicular homicide case when estate received settlement amount prior to entry of restitution order).
But we do not face a double recovery situation today , and there is nothing in the record to suggest that future insurance payments for
Lisa’s loss will be forthcoming. At present, Lisa is entitled to seek full restitution from Robert for pecuniary damages “not paid” by her insurer. She is under no obligation to act for Robert’s benefit by se eking coverage
for her losses. We need not engage in extended sp eculation about future insurance payment. If, however, Lisa actually receives insurance payments related to her loss, the offender would be entitled to seek adjustment of the restitution order under Iowa Code section 910.7. See
Driscoll , 839 N.W.2d at 19 2; Klawo n n , 688 N.W.2d at 27 6.
IV. Conclusion. For the above reasons, we conclude that the district court
restitution order in this case must be affirmed.
AFFIRMED.