2009 Decisions

Opinions of the United

States Court of Appeals

for the Third Circuit

5-28-2009

David Shaw v. State Farm Ins Co

Precedential or Non-Precedential: Non-Precedential

Docket No. 08-3285

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Recommended Citation

"David Shaw v. State Farm Ins Co" (2009). 2009 Decisions. Paper 1292.

http://digitalcommons.law.villanova.edu/thirdcircuit_2009/1292
NOT PRECEDENTIAL

UNITED STATES COURT OF APPEALS

FOR THE THIRD CIRCUIT

_____________

No. 08-3285

_____________

DAVID SHAW,

 Appellant. 

v.

STATE FARM INSURANCE CO.

_______________

On Appeal from the United States District Court

for the Western District of Pennsylvania

(D. C. No. 07-cv-1553)

District Judge: Honorable Gary L. Lancaster

_______________

Submitted Under Third Circuit LAR 34.1(a)

May 20, 2009

Before: FUENTES, JORDAN, and NYGAARD, Circuit Judges.

(Filed: May 28, 2009)

_______________

OPINION OF THE COURT

_______________

JORDAN, Circuit Judge.

David Shaw appeals the District Court’s Order entering summary judgment against

him. For the following reasons, we will affirm. 
 State Farm Mutual Automobile Insurance Company has been incorrectly referred to as 1

“State Farm Insurance Company” throughout this matter. 

2

I. Background

Shaw, a sanitation worker, was injured on the job when he fell off the back of a

garbage truck that was being operated by a co-worker. Shaw filed for, and received,

worker’s compensation, and he also applied with State Farm Mutual Automobile

Insurance Co., his automobile insurer, for uninsured motorist/underinsured motorist 1

(“UM/UIM”) benefits. Under his policy, Shaw could obtain such benefits only if he was

“legally entitled to collect compensatory damages from the owner or driver of [the]

uninsured ... or underinsured motor vehicle.” (App. at 23.) Based on its determinations

that Shaw was not “legally entitled” to damages from his co-worker or his employer and

that the garbage truck was not “uninsured” or “underinsured,” as the terms were defined

in the policy, State Farm denied his claim. 

Shaw filed suit against State Farm in the Court of Common Pleas of Allegheny

County, Pennsylvania, and State Farm removed the case to the United States District

Court for the Western District of Pennsylvania. The parties stipulated to a number of

facts, including that the garbage truck carried $5 million in liability insurance and that

Shaw’s damages resulting from his fall did not exceed $5 million. Reviewing crossmotions for summary judgment, the District Court concluded that Shaw was not legally

entitled to collect from the driver or owner of the garbage truck because the Pennsylvania
 “An appellate court may affirm a result reached by the District Court on different 2

reasons, as long as the record supports the judgment.” Guthrie v. Lady Jane Colleries, 

3

Workers’ Compensation Act (“PWCA”) provides the exclusive remedy for injuries

occurring in the scope of employment. Accordingly, it granted State Farm’s motion and

entered summary judgment against Shaw. Shaw’s timely appeal followed.

II. Discussion

The District Court had jurisdiction over this matter pursuant to 28 U.S.C. § 1332. 

We take jurisdiction under 28 U.S.C. § 1291. We review a district court’s decision to

grant summary judgment de novo and affirm only if “the moving party [has]

demonstrate[d] ‘that there is no genuine issue as to any material fact and that the moving

party is entitled to judgment as a matter of law.’” Gardner v. State Farm Fire and Cas.

Co., 544 F.3d 553, 557-58 (3d Cir. 2008) (quoting Fed. R. Civ. P. 56(c)). 

Shaw argues that the District Court erred in defining “legally entitled to collect,”

as the phrase is used in his insurance policy, to preclude him from obtaining UM/UIM

benefits from State Farm. Instead of construing the phrase to mean “not prohibited from

recovering damages under the operative law,” as the District Court did, Shaw argues that

we should define it as “able to establish fault and damages.” (Opening Br. at 10.) Rather

than addressing this unsettled question of state law, we will affirm on the alternative

ground that Shaw is ineligible to recover UM/UIM benefits because the garbage truck

from which he fell was not uninsured or underinsured.2
Inc., 722 F.2d 1141, 1145 n.1 (3d Cir. 1983) (citing Helvering v. Gowran, 302 U.S. 238,

245 (1937)). 

4

We must look to both Shaw’s insurance policy and the Pennsylvania Motor

Vehicle Financial Responsibility Law (“MVFRL”) for the definitions of “underinsured”

and “uninsured,” because, under Pennsylvania law, the terms of an insurance contract

must not conflict with the applicable statutory provisions. Prudential Prop. and Cas. Ins.

Co. v. Colbert, 813 A.2d 747, 751 (Pa. 2002). The MVFRL defines “underinsured motor

vehicle” as “[a] motor vehicle for which the limits of available liability insurance and

self-insurance are insufficient to pay losses and damages,” and “uninsured motor vehicle”

as any of the following:

(1) A motor vehicle for which there is no liability insurance or selfinsurance applicable at the time of the accident.

(2) A motor vehicle for which the insurance company denies coverage or

the insurance company is or becomes involved in insolvency proceedings in

any jurisdiction.

(3) An unidentified motor vehicle that causes an accident resulting in injury

provided the accident is reported to the police or proper governmental

authority and the claimant notifies his insurer within 30 days, or as soon as

practicable thereafter, that the claimant or his legal representative has a

legal action arising out of the accident.

75 Pa. Cons. Stat. § 1702. Shaw’s insurance policy defines the terms in a manner that is

wholly consistent with the MVFRL. 

According to the definitions provided by both the MVFRL and the insurance

policy, it is clear that the garbage truck Shaw fell from was not uninsured. Indeed, Shaw
5

stipulated that it carried $5 million in liability insurance, and the record does not indicate

that a claim was filed with the truck’s insurer, let alone that the insurer denied coverage. 

Nor was the truck underinsured. By Shaw’s own admission, his damages resulting from

the accident did not exceed $5 million. 

III. Conclusion

Because Shaw was not injured while riding on an uninsured or underinsured motor

vehicle, as those terms are defined by the insurance policy and Pennsylvania law, we will

affirm the District Court’s Order entering summary judgment against him.