dissenting.
(Filed Jan. 12, 2001)
I reject the majority’s conclusion that Hamric v. Doe, 201 W.Va. 615, 499 S.E.2d 619 (1997), had the “clear effect of ... over-rul[ing] established law,’’and must therefore be applied only prospectively. While it is true that the Hamric Court suggested in a footnote that it was overruling prior case law on the subject,1 Hamric in fact did not work any significant change in West Virginia law. Previous cases, most notably State Farm Mut. Auto. Ins. Co. v. Norman, 191 W.Va. 498, 446 S.E.2d 720 (1994), clearly foreshadowed the result reached in Hamric. Indeed, Hamric was the very first case in which this Court was required to address the ultimate reach of the “physical contact” requirement contained in W. Va.Code § 33 — 6—31(e)(iii). Thus, the majority’s suggestion that Hamric marked a departure from previous settled law is simply inaccurate. I would permit Hamric to be applied retroactively, as is the Court’s custom in all cases of first impression *325dealing with issues of statutory interpretation.
I likewise disagree with the majority’s conclusion that so-called “John Doe” actions must be governed by the general two-year statute of limitation set forth in W. Va.Code § 55-2-12, rather than the ten-year limitation period for contract actions provided by W. Va.Code § 55-2-6. The majority attempts to make a distinction between actions brought directly against an insurer, and eases formally commenced against an unknown defendant in order to collect uninsured or underinsured motorist coverage. This is a hollow distinction. In Plumley v. May, 189 W.Va. 734, 434 S.E.2d 406 (1993), the Court made clear that an action brought against an insurer in pursuit of uninsured or underinsured motorist coverage is an action in contract rather than tort. I simply fail to see any reason for treating a John Doe action any differently, where the single object of such proceedings is to recover from the insurer. The majority in this ease has plainly exalts form over substance.
For the foregoing reasons, I respectfully dissent. I am authorized to state that Justice STARCHER joins in this dissent.
. See Hamric, 201 W.Va. at 621 n. 3, 499 S.E.2d at 625 n. 3 (suggesting that holding in Hamric was in conflict with Lusk v. Doe, 175 W.Va. 775, 338 S.E.2d 375 (1985), where the latter case stated, "In order for the insured to recover from the insurer, upon trial it must be shown that the injuries were incurred after physical contact with the hit and run vehicle.”). It is difficult to see how there is any conflict between Lusk and Ham-ric, where the former case simply pointed out the existence of the "physical contact” requirement, and the latter undertook the straightforward judicial task of interpreting such terminology.