State Farm Mutual Automobile Insurance Company v. Anna Bevilacqua Spangler ( 2023 )

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[PUBLISH]
In the
United States Court of Appeals
For the Eleventh Circuit
____________________
No. 21-12062
____________________
STATE FARM MUTUAL AUTOMOBILE INSURANCE
COMPANY,
Plaintiff-Counter
Defendant-Appellee,
versus
ANNA BEVILACQUA SPANGLER,
RICHARD DALE SPANGLER,
Defendants-Counter
Claimant-Appellants.
____________________
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2 Opinion of the Court 21-12062
Appeal from the United States District Court
for the Middle District of Florida
D.C. Docket No. 6:20-cv-00360-PGB-LRH
____________________
Before WILSON, JILL PRYOR, and HULL, Circuit Judges.
JILL PRYOR, Circuit Judge:
Richard D. Spangler and his spouse Anna Spangler main-
tained a car insurance policy (the “Policy”) with State Farm Mutual
Automobile Insurance Company. While the Policy was in force,
Anna was involved in an accident in which she was struck and in-
jured by an uninsured driver of an electric motorized scooter. The
Spanglers made a claim for her injuries under the Policy’s Unin-
sured Motor Vehicle (“UM”) coverage. State Farm denied the claim
on the ground that under the Policy the scooter was neither a “mo-
tor vehicle” nor an “uninsured motor vehicle,” which the Policy
defined as a “land motor vehicle.” State Farm sued the Spanglers,
seeking a declaratory judgment that the Policy provided no cover-
age. Both parties moved for summary judgment. The district court
denied the Spanglers’ motion, granting summary judgment in part
to State Farm. The district court concluded that a Florida statutory
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21-12062 Opinion of the Court 3
definition of “motor vehicle” resolved the dispute in State Farm’s
favor. 1
On appeal, the Spanglers argue that because the Policy de-
fines “uninsured motor vehicle” as a “land motor vehicle,” the
plain and ordinary meaning of the term “land motor vehicle” dic-
tates the scope of the Policy, and under the plain and ordinary
meaning of the term, the scooter is a covered uninsured motor ve-
hicle. After careful consideration, and with the benefit of oral argu-
ment, we agree and therefore reverse the district court’s grant of
summary judgment to State Farm. We conclude that the Policy de-
fines “uninsured motor vehicle” more broadly than Florida insur-
ance law requires. Because an insurer can provide more UM cov-
erage than the law requires, we decline to disregard the Policy’s
broader definition of uninsured motor vehicle in favor of a more
limited statutory definition of motor vehicle.
I. BACKGROUND
We begin by describing the relevant parts of the Policy. We
then turn to the underlying accident involving the scooter, includ-
ing the scooter’s specifications, and the litigation that followed.
1 The parties agree that Florida law governs this diversity-jurisdiction action
involving the interpretation of an insurance policy issued in Florida. See Hegel
v. First Liberty Ins. Corp., 778 F.3d 1214, 1220 (11th Cir. 2015).
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4 Opinion of the Court 21-12062
A. The Insurance Policy
State Farm issued to Richard Spangler State Farm Car Policy
No. D580985594, which insured the Spanglers’ 2015 Nissan Al-
tima. 2 The Policy included UM coverage with limits of $100,000
per person and $300,000 per occurrence. Relevant to this dispute,
under the Policy State Farm would “pay compensatory damages
for bodily injury an insured is legally entitled to recover from the
owner or driver of an uninsured motor vehicle.” Doc. 1-1 at 25 3
(emphasis omitted). According to the Policy, the “bodily injury for
which [State Farm] will pay compensatory damages must be[] sus-
tained by an insured [and] caused by an accident that involves the
operation . . . of an uninsured motor vehicle.” Id. (emphasis omit-
ted). In the section of the Policy pertaining to UM coverage,
“[u]ninsured [m]otor [v]ehicle” was defined, in relevant part, as
“land motor vehicle.” Id. at 24. The UM section of the Policy did
not define “land motor vehicle.”
The Policy’s general “Definitions” section established defini-
tions of terms used throughout the Policy. The Policy specified that
the definitions were to be used where a defined term appeared in
boldface italics. The Definitions section defined a “[m]otor
2 Richard Spangler was the named insured party on the Policy. The Policy
included coverage for the spouse of the named insured party if the spouse pri-
marily resided with the named insured. It is undisputed that Anna, as Richard’s
spouse who primarily resided with him, was an insured party under the Policy.
3 “Doc.” numbers refer to district court docket entries.
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[v]ehicle” as a “vehicle with four or more wheels that[] is self-pro-
pelled and is of a type[] designed for; and [] required to be licensed
for use on Florida highways.” Id. at 4. The term “land motor vehi-
cle” was not defined in the Definitions section of the Policy, and
the words “motor vehicle” within the term “land motor vehicle” in
the UM section of the Policy appeared in plain typeface.
The Policy also included an Amendatory Endorsement
providing that an “[u]ninsured [m]otor [v]ehicle does not include a
land motor vehicle . . . designed for use primarily off public roads
except while on public roads.” Doc. 1-2 at 6. It is undisputed that
the accident occurred on a public road.
B. The Accident with the Scooter
While driving on a Florida highway in the insured Nissan
Altima, Anna Spangler was struck by a driver operating a Razor
Pocket Mod scooter. The Razor Pocket Mod was a “Miniature
Electric Euro Style Scooter.” Doc. 35-1 at 19. The Razor Pocket
Mod’s top speed was 15 mph. It had a 250-watt, single-speed motor
powered by two 12-volt batteries, with a total battery life of 40
minutes of continuous ride time. It was equipped with two spoked
wheels with air-filled tires. The Razor Pocket Mod had twist-grip
throttle controls and a hand-operated brake. It was manufactured
without a taillight, brake lights, turn signals, or exterior mirrors,
and no such equipment had been added. The scooter had no vehi-
cle identification number or license tag, and it was not registered
with the Florida Department of Highway Safety and Motor Vehi-
cles.
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As a result of the accident with the Razor Pocket Mod, Anna
suffered serious injuries to her neck, back, and knee, with surgery
expected in the future. Her vehicle sustained a cracked headlight
and fog light, crushed front bumper and fender, and cracked pas-
senger side mirror. Tragically, the scooter’s driver, who was unin-
sured, died at the scene. The Spanglers submitted a claim to State
Farm for UM coverage in the amount of $100,000 as compensation
for injuries Anna sustained in the accident. State Farm denied the
claim on the ground that the Razor Pocket Mod was not an “unin-
sured motor vehicle” under the Policy.
C. Procedural History
State Farm brought this action seeking a declaratory judg-
ment that the Policy did not cover the accident because the electric
scooter was neither a “motor vehicle” nor an “uninsured motor ve-
hicle” under the terms of the Policy. The Spanglers and State Farm
cross-moved for summary judgment on the issue of coverage. In
support of its motion and in response to the Spanglers’ motion,
State Farm argued that the definition of “motor vehicle” that ap-
peared in the general Definitions section of the Policy applied to
the UM section of the Policy and, under this definition, the Razor
Pocket Mod was not a motor vehicle or an uninsured motor vehi-
cle. State Farm argued further that the meaning of the Policy’s term
“uninsured motor vehicle” should be interpreted consistently with
the definition of “motor vehicle” that appeared in Florida Statutes
§ 324.021, also known as the Financial Responsibility Law (“FRL”).
Under the FRL’s definition of “motor vehicle,” State Farm argued,
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the Razor Pocket Mod was not a motor vehicle and thus was not
subject to Florida’s UM coverage requirements.
In support of their motion and in opposition to State Farm’s
motion, the Spanglers argued that the plain and ordinary meaning
of the term “land motor vehicle”—the definition of “uninsured mo-
tor vehicle” that appeared in the UM section of the Policy—should
govern the dispute. Under the term’s plain and ordinary meaning,
they maintained, the Razor Pocket Mod was an uninsured motor
vehicle.
The district court granted in part and denied in part State
Farm’s summary judgment motion. In denying summary judg-
ment in part, the district court concluded that the definition of
“motor vehicle” that appeared in the general Definitions section of
the Policy did not define the term as used in the section concerning
UM coverage. In granting summary judgment in part, the district
court nonetheless concluded that the Razor Pocket Mod was not
an uninsured motor vehicle. The court denied the Spanglers’ cross-
motion for summary judgment for the same reason. The district
court entered final judgment in favor of State Farm for the same
reason.
To reach the conclusion that the scooter was not covered
under the Policy, the district court relied on the FRL’s definition of
“motor vehicle.” The FRL requires every Florida driver operating
a motor vehicle on Florida’s public roads to maintain proof of “the
ability to respond in damages for liability on account of accidents
arising out of the use of [a] motor vehicle.” See Fla. Stat.
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§ 324.022(1). Put simply, a driver of a motor vehicle must maintain
liability insurance. The FRL defines the term “motor vehicle” as
“[e]very self-propelled vehicle that is designed and required to be
licensed for use upon a highway.” Id. § 324.021(1). Considering this
definition, the district court determined that the Razor Pocket Mod
was not a vehicle designed and required to be licensed for use upon
a highway. Thus, the district court concluded, the Razor Pocket
Mod was not a “motor vehicle” and, in turn, not an uninsured mo-
tor vehicle, meaning UM coverage under the Policy was unavaila-
ble to the Spanglers. The Spanglers timely appealed.
II. STANDARDS OF REVIEW
We review a district court’s grant of summary judgment de
novo, viewing all evidence and drawing all reasonable inferences
in favor of the non-moving party. Hurlbert v. St. Mary’s Health
Care Sys., Inc., 439 F.3d 1286, 1293 (11th Cir. 2006). Summary judg-
ment is appropriate only “if the movant shows that there is no gen-
uine dispute as to any material fact and the movant is entitled to
judgment as a matter of law.” Fed. R. Civ. P. 56(a).
The interpretation of an insurance contract is a matter of
law, which we review de novo. LaFarge Corp. v. Travelers Indem.
Co., 118 F.3d 1511, 1515 (11th Cir. 1997). As a pure question of law,
the interpretation of an insurance policy may be decided at the
summary judgment stage. See Tech. Coating Applicators, Inc. v.
U.S. Fid. & Guar. Co., 157 F.3d 843, 844–46 (11th Cir. 1998); Cole-
man v. Fla. Ins. Guar. Ass’n, Inc., 517 So. 2d 686, 686–91 (Fla. 1988).
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III. DISCUSSION
On appeal, the Spanglers argue that the district court erred
in granting summary judgment in part to State Farm and in deny-
ing their motion for summary judgment because the court adopted
the definition of “motor vehicle” found in the FRL to define the
Policy term “land motor vehicle,” instead of discerning and apply-
ing the plain and ordinary meaning of the term. We agree. To ex-
plain why, we must first determine the scope and extent of the Pol-
icy’s UM coverage. To do so, we start by reviewing Florida’s prin-
ciples of contract interpretation. We then look to the plain and or-
dinary meaning of the term “land motor vehicle” and apply this
definition to the Spanglers’ claim. Lastly, we explain why the FRL’s
definition of “motor vehicle” does not dictate the meaning of “land
motor vehicle.”
A. Under Florida Law, the Term “Land Motor Vehicle” Is
Given Its Plain and Ordinary Meaning.
First, we must determine the scope and extent of the Policy’s
UM coverage. Under Florida law, an insurance policy is a contract,
and ordinary contract principles govern its interpretation and con-
struction. Am. Strategic Ins. Co. v. Lucas-Solomon, 927 So. 2d 184,
186 (Fla. Dist. Ct. App. 2006). The scope and extent of a policy’s
coverage is defined by the language and terms of the policy, and
where the language of a policy is plain and unambiguous, the
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10 Opinion of the Court 21-12062
policy must be enforced as written. Allstate Ins. Co. v. Orthopedic
Specialists, 212 So. 3d 973, 975–76 (Fla. 2017).
Although language in a policy is ambiguous if susceptible to
more than one reasonable interpretation, the fact that a policy term
is undefined does not necessarily mean the term is ambiguous.
State Farm Fire & Cas. Co. v. CTC Dev. Corp., 720 So. 2d 1072,
1076 (Fla. 1998). Instead, when a policy term is undefined, “com-
mon everyday usage determines its meaning.” Nateman v. Hart-
ford Cas. Ins. Co., 544 So. 2d 1026, 1028 (Fla. Dist. Ct. App. 1989)
(internal quotation marks omitted); see also Gov’t Emps. Ins. Co.
v. Macedo, 228 So. 3d 1111, 1113 (Fla. 2017) (“When a term in an
insurance policy is undefined, it should be given its plain and ordi-
nary meaning . . . .” (internal quotation marks omitted)).
The Policy at issue included UM coverage. The UM section
of the Policy required State Farm to “pay compensatory damages
for bodily injury an insured is legally entitled to recover from the
owner or driver of an uninsured motor vehicle.” Doc. 1-1 at 25 (em-
phasis in original). Within the Policy’s UM section, “uninsured mo-
tor vehicle” was defined, in relevant part, as “a land motor vehicle.”
Id. at 24. The term “land motor vehicle” was not defined in the
Policy.
The term “motor vehicle” was defined in the Policy’s gen-
eral Definitions section but not within its UM coverage section.
And the Policy specified that the general definitions applied only
where the terms appeared in boldface italics; the term “land motor
vehicle” was not in bold typeface or italicized. We agree with the
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district court that the Policy’s definition of “motor vehicle” appear-
ing in the general Definitions section does not define the term as
used in the UM section. State Farm does not challenge the district
court’s conclusion on this issue. 4 Thus, the case turns on the mean-
ing of the undefined term “land motor vehicle” and whether the
Razor Pocket Mod falls within that meaning.
Faced with an undefined term in the Policy, we defer to Flor-
ida’s rules of contract construction, which instruct us to give the
term its plain meaning as understood by the “[person]-on-the-
street,” that is, the term’s plain and ordinary meaning. State Farm
Fire & Cas. Co. v. Castillo, 829 So. 2d 242, 244 (Fla. Dist. Ct. App.
2002) (internal quotation marks omitted). To find the plain and or-
dinary meaning of a policy term, courts may “look to legal and non-
legal dictionary definitions to determine such a meaning.” Gov’t
Emps. Ins. Co., 228 So. 3d at 1113 (internal quotation marks omit-
ted); see also Prudential Prop. & Cas. Ins. Co. v. Swindal, 622 So.
2d 467, 470 (Fla. 1993) (“Insurance contracts are construed in ac-
cordance with the plain language of the policies as bargained for by
the parties.”).
4 Because State Farm has not cross-appealed the denial of summary judgment
on this issue, we do not consider whether the meaning of the term “motor
vehicle” that appears in the Policy’s general Definitions section is incorporated
into the Policy’s UM coverage section, and in turn dictates the meaning of the
term “uninsured motor vehicle” as it appears in the UM coverage section. In-
stead, we focus on whether the Razor Pocket Mod is an “uninsured motor
vehicle,” which the UM coverage section defines as a “land motor vehicle.”
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B. The Plain and Ordinary Meaning of “Land Motor Vehicle”
Encompasses the Razor Pocket Mod Scooter.
To determine the plain and ordinary meaning of the term
“land motor vehicle,” we begin with the first word, “land.” “Land”
means “[a]n immovable and indestructible three-dimensional area
consisting of a portion of the earth’s surface, the space above and
below the surface, and everything growing on or permanently af-
fixed to it.” Land, Black’s Law Dictionary (11th ed. 2019); see also
Land, Merriam-Webster Online Dictionary, https://www.mer-
riam-webster.com/dictionary/land (last visited Mar. 21, 2023)
(“[T]he solid part of the surface of the earth[.]”). Put simply, land is
the solid part of the earth. As such, the word “land” includes more
than public roads and highways.
Next, the word “motor”: “[A]ny of various power units that
develop energy or impart motion[] such as[] a small compact en-
gine[.]” Motor, Merriam-Webster Online Dictionary,
https://www.merriam-webster.com/dictionary/motor (last vis-
ited Mar. 21, 2023).
Last, “vehicle”: “An instrument of transportation or convey-
ance.” Vehicle, Black’s Law Dictionary (11th ed. 2019); see also Ve-
hicle, Merriam-Webster Online Dictionary, https://www.mer-
riam-webster.com/dictionary/vehicle (last visited Mar. 21, 2023)
(“[A] means of carrying or transporting something[.]”). In other
words, a vehicle is an object that carries or transports something.
Putting the words together, a “land motor vehicle” is (1) a
means of carrying or transporting something, (2) on the solid part
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of the earth, while being (3) powered by an engine that imparts
motion. See Scottsdale Ins. Co. v. Kuntz, No. 2:19-CV-00113,
2020 WL 7074554, at *5 (M.D. Fla. Dec. 3, 2020) (defining land mo-
tor vehicle as a means of “carr[ying] or transport[ing] something
over the solid part of the surface of the earth while being powered
by a gasoline engine that imparts motion”); Trierweiler v. Frank-
enmuth Mut. Ins. Co., 550 N.W.2d 577, 580 (Mich. Ct. App. 1996)
(determining the definition of land motor vehicle to be “a vehicle
with a motor that travels on land”). This meaning, derived from
dictionary definitions, comports with the term’s plain meaning as
it would be understood by a person on the street.
Given the plain and ordinary meaning of the term “land mo-
tor vehicle,” it is apparent that the term is broader than the term
“motor vehicle” and encompasses more than vehicles designed for
use on public roadways. In fact, the Policy’s Amendatory Endorse-
ment states that “[u]ninsured [m]otor [v]ehicle does not include a
land motor vehicle . . . designed for use primarily off public roads
except while on public roads.” Doc. 1-2 at 6. The Endorsement ex-
pressly contemplates that a land motor vehicle may be designed for
off-road use. Though designed for off-road use, such a vehicle will
be covered by the Policy’s UM coverage when it is being used on a
public road (as the Razor Pocket Mod was here).
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Further, the term “land motor vehicle” appears in the UM
coverage section without further qualifications 5 or statements that
would limit the term to vehicles designed primarily for operation
on public roadways—despite the Policy’s inclusion of such limiting
qualifications and statements elsewhere in the Policy. See Doc. 1-1
at 4 (defining car as “a land motor vehicle with four or more
wheels, designed for use primarily on public roads” (emphasis
added)). Together with the fact that the Endorsement contem-
plates that a land motor vehicle may be primarily designed for off-
road use, the lack of limiting qualifications and statements further
supports our conclusion that “land motor vehicle” has a broader
meaning than motor vehicle. We now apply the plain and ordinary
meaning of the term to the Razor Pocket Mod scooter.
The Razor Pocket Mod was designed to transport a rider and
personal items. It has spoked, inflatable wheels made for traveling
on land. It is powered by two 12-volt batteries that provide electric-
ity to a 250W motor. Thus, the Razor Pocket Mod scooter falls
within the scope of the plain and ordinary meaning of a land motor
vehicle. 6 Because the Razor Pocket Mod is a land motor vehicle,
5 The Policy’s definition of uninsured motor vehicle includes qualifications
regarding the ownership, maintenance, and use of the vehicle that are not rel-
evant here.
6 Our conclusion today is in line with other state courts’ interpretations of the
term “land motor vehicle” as used in insurance policies. See, e.g., Thedin v.
U.S. Fid. & Guar. Ins. Co., 518 N.W.2d 703, 705–06 (N.D. 1994) (concluding
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we conclude it is an uninsured motor vehicle as defined by the Pol-
icy.
C. The FRL’s Definition of “Motor Vehicle” Does Not Dictate
the Meaning of “Land Motor Vehicle” in the Policy.
State Farm argues that to determine whether the Razor
Pocket Mod is an uninsured motor vehicle under the Policy, we
must “determine[] whether it [is] a motor vehicle in the context
of . . . Florida’s FRL.” Appellee’s Br. at 10. We disagree.
Florida’s FRL requires an individual who operates a motor
vehicle on Florida’s public streets and highways to “show proof of
financial ability” to compensate for accidents as a “requisite” to op-
erating a motor vehicle in Florida. Fla. Stat. § 324.011. Under the
FRL, Florida motorists must maintain liability insurance 7 when
that a farm combine was a land motor vehicle under the plain and ordinary
meaning of the term even though a state statute provided a more limited def-
inition of the term “motor vehicle”); Trierweiler, 550 N.W.2d at 579–80 (con-
cluding that a farm tractor was a land motor vehicle under the plain and ordi-
nary meaning of the term); Paskiewicz v. Am. Fam. Mut. Ins. Co., 834 N.W.2d
866, 867–68 (Wis. Ct. App. 2013) (concluding that a child-sized four-wheel all-
terrain vehicle operated by a three-year-old was a land motor vehicle under
the plain and ordinary meaning of the term); Colwell v. State Farm Mut. Auto.
Ins. Co., 600 P.2d 751, 751–52 (Ariz. Ct. App. 1979) (concluding that a minibike
operated by an eight-year-old was a land motor vehicle under the plain and
ordinary meaning of the term).
7 The statute provides other ways in which an operator of a motor vehicle
may prove his financial responsibility that are not relevant here. See Fla.
Stat. § 324.031.
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16 Opinion of the Court 21-12062
operating a motor vehicle on Florida’s roadways. Id. § 324.031.
The FRL defines a “[m]otor vehicle” as “[e]very self-propelled ve-
hicle that is designed and required to be licensed for use upon a
highway.” Id. § 324.021(1). If an individual operates a self-propelled
vehicle that is designed and required to be licensed for use upon a
highway, that individual is required to maintain liability insurance.
The FRL works in tandem with Florida’s Uninsured Motor-
ist statute (“UM statute”). Id. § 627.727. The UM statute requires,
in relevant part, that an insurer who offers motor vehicle liability
insurance that covers bodily injury also must provide uninsured
motor vehicle coverage, unless the insured expressly rejects UM
coverage. Id. § 626.727(1). The purpose of the UM statute is to place
a party injured by an uninsured motorist in the same position as if
the uninsured motorist been insured as required by the FRL. See
Mullis v. State Farm Mut. Auto. Ins. Co., 252 So. 2d 229, 237–38
(Fla. 1971) (“[UM coverage under the UM statute] is statutorily in-
tended to provide the reciprocal or mutual equivalent of automo-
bile liability coverage prescribed by the Financial Responsibility
Law . . . .”); Schoeck v. Allstate Ins. Co., 235 So. 3d 953, 956 (Fla.
Dist. Ct. App. 2017).
Taken together, the FRL and the UM statute require that an
insurer, at a minimum and in relevant part, provide UM coverage
(if the policy provides bodily injury coverage) for “motor vehicles”
as defined by the FRL. See State Farm Fire & Cas. Co. v. Becraft,
501 So. 2d 1316, 1317 (Fla. Dist. Ct. App. 1986).
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State Farm argues that when a term is undefined within a
policy’s UM coverage, courts must look to the FRL. To support its
argument, State Farm cites two Florida Supreme Court decisions:
Grant v. State Farm Fire & Casualty Co., 638 So. 2d 936 (Fla. 1994),
and Carguillo v. State Farm Mut. Auto. Ins. Co., 529 So. 2d 276 (Fla.
1988). Neither Grant nor Carguillo changes our analysis, however.
Both decisions stand only for the proposition that an insurer must
provide UM coverage that is consistent with the purposes of the
FRL and UM statute. Neither decision requires that an insurer only
provide UM coverage for motor vehicles as defined by the FRL. To
explain why, we briefly review the Florida Supreme Court’s deci-
sions in Grant and Carguillo.
In Grant, the issue before the Florida Supreme Court was
whether a motorcycle was a motor vehicle under a car insurance
policy. Grant, 638 So. 2d at 937. The insured’s motorcycle was not
listed as a covered vehicle on the policy. Id. After an accident in-
volving the motorcycle, the insured sought UM coverage for dam-
age sustained while operating the motorcycle. Id. The insurer de-
nied the claim because a policy exclusion barred coverage for inju-
ries that occurred while the insured occupied “a motor vehi-
cle . . . [that] was not insured for . . . coverage under [the] policy.”
Id. (emphasis omitted). In response, the insured maintained that
the motorcycle was not a motor vehicle; thus, he argued, the ex-
clusion did not apply. Id.The Florida Supreme Court began by reviewing the policy
at issue. Id. The no-fault coverage section of the policy defined the
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18 Opinion of the Court 21-12062
term “motor vehicle,” and the preface section of the policy defined
the term “car” as “a land motor vehicle with four or more wheels,
which is designed for use mainly on public roads.” Id. (internal quo-
tation marks omitted). The UM section of the policy, however, did
not define motor vehicle or car, despite using the term “motor ve-
hicle.” Id. The Court determined that the definitions that appeared
elsewhere in the policy were inapplicable to the policy’s UM cov-
erage. Id. at 937–38. So, the Court was “compelled to search else-
where for a sensible and appropriate definition” of the term “motor
vehicle.” Id. at 937. The Court turned to the FRL and its definition
of the term. Concluding that the FRL’s definition of “motor vehi-
cle” comported with the plain meaning of the term, the Court de-
termined that the motorcycle was a “motor vehicle” as that term
was used in the UM section of the policy. Id. at 938.
The dispute before us is distinguishable from Grant; thus,
we see no reason to incorporate the FRL’s definition of “motor ve-
hicle” into the Policy. In Grant, the policy’s UM coverage section
did not define the term “motor vehicle.” The FRL readily defined
the exact term at issue—motor vehicle—and so reliance on the
FRL’s definition of motor vehicle was “sensible and appropriate.”
Id. at 937. Here, the Policy’s UM section defined the term “unin-
sured motor vehicle” as “land motor vehicle.” But the term “land
motor vehicle” was not defined in the Policy; thus, unlike in Grant,
the term at issue here is “land motor vehicle.” As we previously
explained, the word “land” modifies the term “motor vehicle.” See
Trierweiler, 550 N.W.2d at 579 (“We further note that the
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21-12062 Opinion of the Court 19
exclusionary phrase defendant relies upon is ‘land motor vehicle’
and not just ‘motor vehicle.’ The addition of the word ‘land’ must
be accorded meaning[.]”). A motor vehicle as defined by the FRL is
a vehicle designed for use on public roads. The use of the word
“land,” then, as an “adjective modifying motor vehicle . . . must, by
a plain reading, mean the vehicle anticipated [by the Policy] was
more than a vehicle that would travel only on [public] roads.” Id.at 579–80. The word “land” expands the scope of the term “motor
vehicle.” Thus, Grant does not control the definition of “land mo-
tor vehicle.” State Farm points to no provision of Florida law that
limits an insurer to providing UM coverage for motor vehicles that
fall within the FRL’s definition of the term.
Like Grant, Carguillo arose out of a motorcycle accident. In
Carguillo, an insurer refused to pay its insured’s claim for UM cov-
erage after the insured’s son was killed in an accident involving an
uninsured motorcycle. Carguillo, 529 So. 2d at 277. The accident
occurred on a dirt-bike trail. Id. The insurer denied UM coverage
based on a policy exclusion providing that “[a]n uninsured motor
vehicle [did] not include a land motor vehicle . . . designed for use
mainly off public roads except while on public roads.” Id. Because
the accident occurred off public roads, the insurer argued that the
exclusion applied, and the insured argued that the exclusion was
invalid under the FRL. Id.The trial court entered summary judgment in favor of the
insurer. Id. On appeal, Florida’s Fourth District Court of Appeal
certified the following question to the Florida Supreme Court:
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20 Opinion of the Court 21-12062
“Whether a vehicle designed primarily for off-road use can be ex-
cluded from uninsured motorist coverage because it is not a motor
vehicle within the definition of the [FRL]?” Id. at 277 (emphasis and
internal quotation marks omitted). The Florida Supreme Court an-
swered that the policy exclusion did not contravene the FRL or the
UM statute. Id. at 278. The Court explained that the UM statute is
“statutorily intended to provide the reciprocal or mutual equiva-
lent of automobile liability coverage prescribed by the [FRL].” Id.(internal quotation marks omitted). In other words, an insurer is
only required to provide its insured with the same protection “as
would have been provided if the tort-feasor had complied with the
[FRL].” Id. (internal quotation marks omitted).
Because the FRL requires that a driver of a motor vehicle
maintain a policy of liability insurance, the Court had to determine
whether the motorcycle was a “motor vehicle” as defined by the
FRL. If so, the driver of the uninsured motorcycle would have been
required by the FRL to maintain liability insurance. And to satisfy
the purpose behind the UM statute, the insurer would have to pro-
vide at least the protection the insured would have received if the
uninsured motorcycle had indeed maintained liability insurance. If
the operator of the insured motorcycle was not required to main-
tain liability insurance under the FRL (because the vehicle was not
a motor vehicle as defined by the FRL) then the insurer’s policy
exclusion, excluding coverage for the motorcycle, would not con-
travene the FRL or the UM statute.
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21-12062 Opinion of the Court 21
Critically, the Court was not called upon to define any term
in the policy. Implicit in its decision was the understanding that the
motorcycle was a land motor vehicle. The question was whether
the motorcycle, a land motor vehicle, could be excluded from cov-
erage when it was not being operated on a public road. That ques-
tion is not before us today. Here, we must determine in the first
instance whether the Razor Pocket Mod is a land motor vehicle.
Therefore, Carguillo is relevant to this dispute only insofar as it
stands for the proposition that a policy exclusion must be con-
sistent with the purposes of the FRL and UM statute. Certainly,
Florida courts may incorporate statutory limitations and require-
ments into an insurance contract to determine a parties’ contrac-
tual rights, Found. Health v. Westside EKG Assocs., 944 So. 2d 188,
195 (Fla. 2006), but the FRL and UM statute prescribe only the min-
imum requirements. Because State Farm has not defined the term
“uninsured motor vehicle” in a way that fails to comply with the
FRL or UM statute, we see no reason to redefine a Policy term by
incorporating a statutory definition. CTC Dev. Corp., 720 So. 2d at
1076 (“[W]hen an insurer fails to define a term in a policy, the in-
surer cannot take the position that there should be a narrow, re-
strictive interpretation of the coverage provided.” (alteration
adopted) (internal quotation marks omitted)). Although there is
“no requirement that an insured be protected to a greater extent
than that statutorily mandated,” Carguillo, 529 So. 2d at 278, there
is no prohibition against greater coverage. If State Farm saw fit to
exclude a vehicle such as the Razor Pocket Mod from UM cover-
age, it could have done so—provided that such an exclusion would
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22 Opinion of the Court 21-12062
not violate the minimum requirements of the FRL and the UM
statute.
And the Policy’s definition of the term “uninsured motor ve-
hicle” as a “land motor vehicle” complies with Florida law. “It is
well settled that, as a general rule, ‘parties are free to “contract-out”
or “contract around” state or federal law with regard to an insur-
ance contract, so long as there is nothing void as to public policy or
statutory law about such a contract.’” Green v. Life & Health of
Am., 704 So. 2d 1386, 1390 (Fla. 1998) (quoting King v. Allstate Ins.
Co., 906 F.2d 1537, 1540 (11th Cir. 1990)). Therefore, a policy may
“provide[] all the coverage [a] statute demands, and more.” See Hill
v. State Farm Mut. Auto. Ins. Co., 375 S.E.2d 727, 729 (Va. 1989)
(finding that, where an insurance policy broadly defined motor ve-
hicle, a moped was a motor vehicle despite that the state’s “finan-
cial responsibility law” excluded mopeds from its definition of mo-
tor vehicle, reasoning that an insurer may offer “broader coverage
than the minimum prescribed by law”).
To sum up, neither Carguillo nor Grant requires that the
FRL’s definition of “motor vehicle” be incorporated into a policy
that defines “uninsured motor vehicle” more broadly. An insurer
may provide more coverage than Florida law requires. Based on
the plain language of the Policy, State Farm has done just that—
provided more UM coverage than required by Florida law. Thus,
because the plain meaning of the term “land motor vehicle” in-
cludes the Razor Pocket Mod scooter, and we are unpersuaded by
State Farm’s argument that the FRL’s definition of motor vehicle
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21-12062 Opinion of the Court 23
determines the scope of the Policy, we conclude that the Razor
Pocket Mod is an uninsured motor vehicle under the Policy.
IV. CONCLUSION
The district court erred in granting final judgment to State
Farm based on its conclusion that the Razor Pocket Mod was not a
land motor vehicle and in turn not an uninsured motor vehicle. 8
Accordingly, we reverse the district court’s order granting State
Farm’s motion for summary judgment and denying the Spangler’s
motion for summary judgment.
REVERSED.
8 The Spanglers point out that if an insurance policy term is subject to differing
interpretations, the term should be construed liberally in favor of the insured.
Because the plain and ordinary meaning of the term “land motor vehicle” is
not ambiguous, this rule is inapplicable. Swire Pac. Holdings, Inc. v. Zurich
Ins. Co., 845 So. 2d 161, 166 (Fla. 2003) (“The lack of a definition of an opera-
tive term in a policy does not necessarily render the term ambiguous and in
need of interpretation by the courts.” (internal quotation marks omitted)).