Transamerica Insurance v. Royle

                                            No.       82-187

                     I N THE SUPREME COURT O THE STATE O F M N A A
                                            F               OTN

                                                      1983



TPANSAMERICA INSURANCE C O . ,
a foreign corporation,

                                       P l a i n t i f f and A p p e l l a n t ,

            VS.

WILLIAM D. ROYLE, a s C o n s e r v a t o r o f
Mary Kay H a i n e s , a P r o t e c t e d P e r s o n ;
BYRON D. HAINES and JOYCE WILSON HAINES,

                                       D e f e n d a n t s and R e s p o n d e n t s .



ORIGINAL PROCEEDING :

        C o u n s e l o f Record:

           For Appellant:

                  K e e f e r , Roybal, Hanson, S t a c e y & J a r u s s i , B i l l i n g s ,
                   Dlon t a n a
                  Gene J a r u s s i a r g u e d , B i l l i n g s , Montana

           For Respondents:

                  C h r i s t i a n , McCurdy & Wold, P o l s o n , Montana
                  Douglas Wold a r g u e d and J e a n T u r n a g e a r g u e d , P o l s o n ,
                   Montana

           F o r Amicus C u r i a e :

                  Tim D.      H a l l a r g u e d , B i l l i n g s , Montana



                                                         Submitted:           November 1 2 , 1982

                                                             Decided:         J a n u a r y 1 2 , 1983
                                        _   .*-
                                                  d
                         &4
                                                        Clerk
M r . J u s t i c e John                 Conway H a r r i s o n d e l i v e r e d     t h e Opinion       of       the
Court.


       T h i s case comes f r o m t h e                         F e d e r a l D i s t r i c t C o u r t by way o f
c e r t i f i c a t i o n p u r s u a n t to Rule 1 o f t h e r u l e s of t h i s C o u r t .                     At

i s s u e is a n i n s u r a n c e c o m p a n y ' s o b l i g a t i o n to d e f e n d or p r o v i d e

coverage         for        parents             who       are     being      sued     by    their     daughter.
       Judge R u s s e l l Smith has c e r t i f i e d the following t w o i s s u e s :
       1.     "Is      the               'household        exclusion'           in    a    policy      [of     auto

insurance]        ,        not           certified         under         the       Motor     Vehicle         Safety
Responsibility A c t , valid?"
       2.     " I s a p a r e n t immune from a c t i o n i n t o r t b r o u g h t a g a i n s t

him by h i s c h i l d r e n under t h e age of emancipation?"
       On November 1 4 , 1 9 8 0 , Mary Kay H a i n e s was i n j u r e d i n a n a u t o
accident.           S h e was a p a s s e n g e r i n a car i n which h e r m o t h e r w a s

driving.              As     a           result     of     her        injuries,      Mary     Kay    is      now     a

quadriplegic.                The car was owned b y Mary K a y ' s                           f a t h e r , Reverend
Byron H a i n e s      ,    and was i n s u r e d by T r a n s a m e r i c a I n s u r a n c e Company.

The     insurance            policy            contained          a     "household         exclusion      clause"
w h i c h e x c l u d e s c o v e r a g e f o r " b o d i l y i n j u r y to a n y p e r s o n who is
r e l a t e d b y b l o o d , m a r r i a g e , o r a d o p t i o n to [ t h e i n s u r e d ] ,          if that

p e r s o n r e s i d e s i n [ t h e i n s u r e d ' s ] household a t t h e t i m e of l o s s . "
       Mr.     Royle,            as        conservator            for    Mary      Kay,     filed    an      action

a g a i n s t t h e H a i n e s i n S t a t e C o u r t i n L a k e C o u n t y to r e c o v e r dama-

ges.        The H a i n e s demanded t h a t T r a n s a m e r i c a assume t h e i r d e f e n s e
and p r o v i d e c o v e r a g e .               Transamerica refused                and f i l e d a n a c t i o n
i n F e d e r a l D i s t r i c t C o u r t c l a i m i n g it had no o b l i g a t i o n u n d e r t h e
insurance         contract.                     The       parents        then      sought     a     declaratory
judgment         in    state               court      asking          that   the     "household       exclusion
c l a u s e " be d e c l a r e d i n v a l i d .            T h a t a c t i o n w a s removed t o F e d e r a l

C o u r t and c o n s o l i d a t e d w i t h t h e T r a n s a m e r i c a a c t i o n .            On May 6 ,
1 9 8 2 , J u d g e R u s s e l l S m i t h c e r t i f i e d t h e two i s s u e s t o t h i s C o u r t .
       In plaintiff              I   s    v i e w t h e f i r s t i s s u e b o i l s down t o w h e t h e r or

n o t s e c t i o n 61-6-301(1)                    MCA,    prohibits a family exclusion clause
i n an automobile i n s u r a n c e p o l i c y .                       I n p e r t i n e n t p a r t , t h e above
cited section reads:                          " E v e r y owner o f a m o t o r v e h i c l e               . . . shall
c o n t i n u o u s l y p r o v i d e i n s u r a n c e -a g a i n s t --o-s s -e s-- l t -- ---o m l i a- i -
                                                         -- -    - l - r - u i n g fr -
                                                                  .                                      b           . .-
                                                                                                                      .     .
                                                                                                                            -




l -t y - - -. -- b- l - f o r b o d i l y i n j u r y or d e a t h or damage to p r o -
  i    imposed y a w      .      .




perty         s u f-- e r e d
                    f                by      - person
                                             any                       . . ."                (Emphasis            added. )
       Plaintiff              argues simply t h a t the                      s t a t u t e does not void                    the

family         exclusion                  clause       because             the      statute        only          requires
coverage           for        "liability             imposed          by    law."         In    o t h e r words,                if

Montana r e c o g n i z e s p a r e n t a l              immunity from s u i t by t h e i r c h i l d r e n

t h e n M. and Mrs. H a i n e s c a n n o t be l i a b l e ; and s i n c e t h e r e would
         r
not     be     "liability                 imposed b y law"                 the     family exclusion clause

would        be v a l i d .           Although n o t             stated          by p l a i n t i f f ,      it f o l l o w s

from t h e i r view t h a t                    the     f i r s t q u e s t i o n to be d e c i d e d b y t h i s
Court        is    the        parent-child              immunity            question.            We       agree.            Our

d e c i s i o n o n i s s u e number t w o w i l l c o n t r o l o u r d e c i s i o n on i s s u e

number o n e .                I n o t h e r words,          i f we r e c o g n i z e p a r e n t a l           immunity,
then the exclusion clause                              is v a l i d ;       and v i c e v e r s a ,          i f parent-

c h i l d immunity d o e s n o t e x i s t , t h e n t h e e x c l u s i o n c l a u s e m u s t be

i n v a l i d by v i r t u e o f              s e c t i o n 61-6-301(1),              MCA.       As       is d i s c u s s e d

l a t e r , w e f i n d t h a t a c h i l d may m a i n t a i n a n a c t i o n a g a i n s t h i s
parent        f o r negligence arising                          o u t of         t h e o p e r a t i o n of       a motor

vehicle.           T h u s , t h e e x c l u s i o n c l a u s e is i n v a l i d .               Before reaching
t h e immunity q u e s t i o n , w e m u s t d i s p e l con£ u s i o n c o n c e r n i n g i s s u e

number o n e .

       P r i o r t o 1 9 7 9 , Montana l a w r e q u i r e d o n l y c e r t a i n p e r s o n s to
d e m o n s t r a t e and m a i n t a i n f i n a n c i a l s e c u r i t y .               T h a t l a w , which is

still         on        the      books,           is      called            the      Motor       Vehicle            Safety
Responsibility Act.                         ( S e c t i o n s 61-6-101,            e t seq. )      O n l y t h o s e who
had    their driver's                     l i c e n s e revoked due to a c o n v i c t i o n o r f o r -
f e i t u r e of        b a i l of         c e r t a i n motor v e h i c l e          laws were r e q u i r e d                 to

demonstrate               financial               security,                i.e.,       obtain         a        liability
insurance policy.                         See s e c t i o n s         61-6-131(1)         and 6 1 - 6 - 1 3 2 ( 1 ) ( a ) ,

MCA.         T h u s , o n l y " b a d d r i v e r s " were r e q u i r e d to c a r r y l i a b i l i t y

i n s u r a n c e , and l i a b i l i t y o f t h e i n s u r e r u n d e r t h o s e p o l i c i e s was
"absolute          ."    S e c t i o n 6 1 - 6 - 1 0 3 ( 6 ) ( a ), MCA.              I n o t h e r words, such a
p o l i c y could n o t c o n t a i n e x c l u s i o n s .        The i n s u r a n c e company would
then      certify           that     it    had       insured       the      "bad        driver,"     section
61-6-133,         MCA.        Only then could                the      bad    driver regain driving

privileges.
       This      Court,       in     interpreting            the      Safety       Responsibility           Act

h e l d t h a t o r d i n a r y p o l i c i e s , or t h o s e p o l i c i e s not r e q u i r e d under
the Act,         could contain exclusions.                         B o l d t v.     S t a t e Farm M u t u a l

(1968)        1 5 1 Mont. 3 3 7 , 4 4 3 P.2d 33; N o r t h e r n A s s u r a n c e Company v .
Truck      I n s u r a n c e Exchange             ( 1 9 6 8 ) , 1 5 1 Mont.       132,     439    P.2d     760.
S p e c i f i c a l l y , o r d i n a r y p o l i c i e s could c o n t a i n a family e x c l u s i o n

clause,       Mid C e n t u r y I n s u r a n c e Co. v .             A m e r i c a n C a s u a l t y Company

( 1 9 6 8 ) , 1 5 2 Mont. 3 2 8 , 449 P.2d 679.
       I n summary, p o l i c i e s to be c e r t i f i e d u n d e r t h e A c t c o u l d n o t

contain exclusions ; whereas,                         p o l i c i e s n o t t o be c e r t i f i e d u n d e r

the     Act      ( p o l i c i e s of     good       drivers)         could       contain        exclusions.
       However,          in        1979       the        legislature              mandated         liability

insurance.           E v e r y v e h i c l e owner is now r e q u i r e d t o c e r t i f y to t h e

county        treasurer            that      he      possesses         an     automobile           liability
insurance         policy.            It      appears        from      the     briefs       that     "in     the

i n s t a n t case, t h e s u b j e c t i n s u r a n c e P o l i c y was I c e r t i f i e d ' b y t h e

owner of         the vehicle              [ t h e Haines]       as proof           of    having     complied
with the law requiring                       insurance f o r bodily                i n j u r y s u f f e r e d by

 any person. ' "              Thus,        the      p o l i c y was      certified        under      the    law
requiring         mandatory          liability           insurance          but    was     not     certified
under      the     Motor       Vehicle         Safety        Responsibility              Act.       Had     the

p o l i c y been c e r t i f i e d under t h e S a f e t y R e s p o n s i b i l i t y A c t , B o l d t
a n d N o r t h e r n A s s u r a n c e would c o n t r o l and t h e r e s u l t would be t h a t
t h e e x c l u s i o n is i n v a l i d .
       When J u d g e S m i t h f r a m e d          the    issue,       he w a s o n l y s a y i n g t h a t
t h i s case d o e s n o t i n v o l v e a c e r t i f i c a t i o n u n d e r P a r t 1 of T i t l e
61,     Chapter        6,     MCA;      the       Safety     Responsibility Act.                    Instead,

t h i s case a r i s e s u n d e r P a r t 3 o f t h e same t i t l e and c h a p t e r , t h e
law r e q u i r i n g m a n d a t o r y l i a b i l i t y p r o t e c t i o n .     The t w o p a r t s are
independent.
      S e c t i o n 61-6-136     ,   MCA,      p r e c l u d e s any r e l a t i o n s h i p between t h e
two parts.           That s e c t i o n states i n p a r t :               " [ t l h i s p a r t s h a l l not
be held       t o a p p l y t o or a f f e c t p o l i c i e s of               automobile insurance

a g a i n s t l i a b i l i t y w h i c h may now o r h e r e a f t e r be r e q u i r e d b y a n y

o t h e r l a w of     t h i s state          . . ." O t h e r        a u t h o r i t y e x i s t s to show
t h a t p a r t 1 and p a r t 3 are i n d e p e n d e n t .               S e e S t a t e Farm v . Q u e e n

(1981) 1                 F.Supp.                 , 38 S t . R e p . 6 0 8 .            S e e 7 Arn.Jur.2d
Automobile I n s u r a n c e , S e c ti o n          20 ( 1 9 8 0 )   .
      I n c o n c l u s i o n , p a r t 1 o f t i t l e 6 1 c h a p t e r 6 and t h e cases of

-l d t and
B o-             Northern -rance
                          Assu                       are n o t        controlling         to    the       first

issue.           More       specifically,              the      statutory           restrict ions            on
i n s u r a n c e p o l i c i e s c o n t a i n e d i n s e c t i o n 61-6-103         do not apply t o
p o l i c i e s purchased        t o f u l f i l l t h e r e q u i r e m e n t s of       Part 3,         Man-

datory Liability Protection.
      The    e f f e c t of     the     langauge of            t h e M a n d a t o r y I n s u r a n c e Law

requires       the     l i a b i l i t y p o l i c y to p r o t e c t       against bodily injury
and    property         damage        to      "any    person."             In    so p r o v i d i n g ,     the

legislature          has     expressly          outlawed        the       "household           exclusion     ."
      I n c o n s i d e r i n g t h e p r i n c i p l e i s s u e p r e s e n t e d ; w h e t h e r or n o t

a c h i l d c a n s u e h e r p a r e n t , w e h a v e r e v i e w e d t h e v a s t amount of
w r i t i n g s d o n e on t h e      s u b j e c t by c o u r t s , w r i t e r s and o t h e r s and

f i n d t h a t f u r t h e r d i s c u s s i o n would s e r v e no u s e f u l p u r p o s e .           The

i s s u e is o n e o f f i r s t i m p r e s s i o n i n t h i s j u r i s d i c t i o n and w e d o
not    believe        our     case      should       be      determined           by    the     number      of
authorities          which     support         o n e r u l e or        the      other,     anymore        than

t h a t a j u r y s h o u l d r e s o l v e i s s u e s a c c o r d i n g to t h e number o f w i t -
n e s s e s who a p p e a r on o n e s i d e or t h e o t h e r .
      A comprehensive            a n n o t a t i o n g i v i n g t h e h i s t o r i c background of
the doctrine           is a v a i l a b l e    under t h e       title       " L i a b i l i t y of   Parent
f o r I n j u r y t o U n e m a n c i p a t e d C h i l d Caused b y P a r e n t ' s N e g l i g e n c e
-   Modern Cases" i n 6 A.L.R.4th                    1066.       The cases c i t e d a g r e e t h a t

t h e d o c t r i n e is a c r e a t u r e of American j u r i s p r u d e n c e .                Prosser ,

Law o f T o r t s , S e c t . 1 2 2 ( 4 t h Ed.           1 9 7 1 ) s u g g e s t s t h a t t h e r e is no

r e a s o n to t h i n k t h a t t h e E n g l i s h law would n o t p e r m i t a c t i o n s f o r
p e r s o n a l t o r t s a s w e l l as d i s p u t e s i n v o l v i n g p r o p e r t y r i g h t s be-
t w e e n c h i l d and p a r e n t .            He    notes      that there are decisions                         in
Canada         and       Scotland         permitting            such     act i o n s .         Reading           both

Prosser,         and H a r p e r and James, Law o f T o r t s , V o l . 1, S e c t . 8 . 1 1
( 1 9 5 6 ) , t h e c o n c u r r e n c e is t h a t t h e d o c t r i n e h a s no f o u n d a t i o n i n
E n g l i s h law.

       The      d o c t r i n e of       parental         immunity       is a        judicially             created
d o c t r i n e a r i s i n g o u t of       a case         from t h e         S t a t e of     Mississippi,
Hewellette v .             G e o r g e ( 1 8 9 1 ) , 6 8 Miss. 7 0 3 , 9 S o . 8 8 5 .                   The case

c i t e s no case a u t h o r i t y f o r i t s h o l d i n g y e t w i t h i n a few s h o r t
years,        other        jurisdictions          adopted          it    without          questioning             its

ancestry.              Long a f t e r t h e d o c t r i n e became l e g i t i m i z e d                thinking    ,
c o u r t s and s c h o l a r s b e g a n t o c r i t i c i z e t h e d o c t r i n e d u e t o t h e
i nj u s t i c e s    created        i n many         factual      situations.                 See,        Prosser,
S e c t . 1 2 2 a t 864;          1 Harper        &    James, Law o f T o r t s ,              S e c t . 8.11 a t

650;     Nocktonick v. Nocktonick ( 1 9 8 0 ) ,                         227      Kan.       758     ,    6 1 1 P.2d
135.        A s noted         i n t h e N o c k t o n i c k case, s u p r a ,            t h e s e criticisms

r e s u l t e d i n a number o f j u d i c i a l d e c i s i o n s which h a v e e r o d e d t h e

d o c t r i n e by c r e a t i n g numerous e x c e p t i o n s .             As a result,              t h e r e are
few j u r i s d i c t i o n s ,     if    any,    recognizing parental                    immunity i n i t s
o r i g i n a l form.

       Some          eight    exceptions          to      the    doctrine         have         evolved        these
past      few y e a r s .           Nocktonick,           6 1 1 P.2d         a t 138.          It     is    to    the
eighth        exception,             allowing         a    child        to     sue       his    parents           for

injuries         caused        by    the    negligent           o p e r a t i o n of      a motor v e h i c l e
t h a t we d i r e c t our consideration.
       The p r i n c i p l e r e a s o n relied on by t h e c o u r t s f o r a l l o w i n g a n
a c t i o n by a c h i l d a g a i n s t t h e i r p a r e n t i n a n a u t o m o b i l e a c c i d e n t
case is t h e p r e v a l e n c e o f a u t o m o b i l e l i a b i l i t y i n s u r a n c e .              "While
courts        concede         the        existence         of    automobile              insurance           cannot

c r e a t e a l i a b i l i t y w h e r e none b e f o r e e x i s t e d , t h e p r e v a l e n c e of
l i a b i l i t y i n s u r a n c e h a s b e e n h e l d t o be a p r o p e r f a c t o r to con-
s i d e r i n d e t e r m i n i n g t h e a p p l i c a b i l i t y o f t h e p a r e n t a l immunity. "

N o c k t o n i c k , 6 1 1 P.2d      a t 138-39.          The c o u r t s which h a v e r e c o g n i z e d
t h i s e x c e p t i o n have reasoned t h a t t h e p o l i c y r e a s o n s which o r i g i -
n a l l y s u p p o r t e d p a r e n t a l immunity no l o n g e r are a p p l i c a b l e           .    The

existence         of     liability          insurance         prevents       family       discord          and

depletion          of     family       assets         in     automobile          negligence           cases;
c o n t r a r y to t h e o r i g i n a l p o l i c i e s .    Sorenson v.          Sorenson (1975),

369 Mass.         350,      339 N.E.2d           907;      and G o l l e r v .    White     ( 1 9 6 3 ) r 20


       P r o b a b l y t h e m o s t p e r s u a s i v e a r g u m e n t a g a i n s t a b r o g a t i o n of
parent-child            immunity is t h e p o s s i b i l i t y o f f r a u d and c o l l u s i o n .

U n s c r u p u l o u s f a m i l i e s may a t t e m p t t o r e c o v e r u n j u s t i f i e d     awards
from i n s u r a n c e companies.               While w e r e c o g n i z e t h i s p o s s i b i l i t y ,
w e d o n o t b e l i e v e it j u s t i f i e s d e n i a l o f m e r i t o r i o u s claims.              We

a g r e e w i t h t h e Supreme C o u r t of K a n s a s which s a i d :
               " [ t l h e p o s s i b i l i t y o f c o l l u s i o n e x i s t s to a
               c e r t a i n e x t e n t i n a n y case.                Every day we
               d e p e n d o n j u r i e s and t r i a l j u d g e s to s i f t e v i -
               d e n c e i n o r d e r t o d e t e r m i n e t h e f a c t s and
               a r r i v e a t proper verdicts.                      Experience has
               shown t h a t t h e c o u r t s a r e q u i t e a d e q u a t e f o r
               t h i s task.          I n l i t i g a t i o n b e t w e e n p a r e n t and
               c h i l d , j u d g e s and j u r i e s would n a t u r a l l y be
               m i n d f u l o f t h e r e l a t i o n s h i p and would be e v e n
               more on t h e a l e r t f o r i m p r o p e r c o n d u c t        ."    611
               P.2d a t 1 4 2 .
       W e h a v e b e e n a s k e d t o d e c i d e which r u l e b e s t s e r v e s t h e n e e d s

of     justice      in    this     state.         I n s e t t i n g Montana's           rule,       we m u s t
r e c o g n i z e t h a t t h e more r e c e n t d e c i s i o n s r e j e c t i n g p a r e n t a l immu-
n i t y are i n d i c a t i v e o f a " g r o w i n g j u d i c i a l d i s t a s t e f o r a r u l e of
l a w which       i n o n e sweep d i s q u a l i f i e d        a n e n t i r e c l a s s of       injured

minors."          Gibson v.         Gibson ( 1 9 7 1 ) , 3 Cal.3d             914,      4 7 9 p.2d        648,
650.      W e b e l i e v e t h a t t h e a u t h o r i t i e s which f a v o r a b r o g a t i o n of

t h e p a r e n t a l immunity d o c t r i n e s t a t e t h e proper a p p r o a c h i n l i g h t
of     modern       conditions          and      conception         of   what      is     good       public
policy.        W see no r e a s o n why c h i l d r e n s h o u l d n o t e n j o y t h e same
                e
r i g h t or p r o t e c t i o n and       the     same l e g a l r e d r e s s f o r w r o n g s d o n e

them as o t h e r s e n j o y .           Due t o t h e f a c t t h a t t h i s is a case of
f i r s t i m p r e s s i o n i n Montana and t h e f a c t t h a t w e are n o t encum-
b e r e d b y p r e v i o u s d e c i s i o n s , o u r t a s k is made e a s i e r t h a n o t h e r

s t a t e s who h a v e had          to q u a l i f y t h e r u l e      i n s e a r c h of      justice.
The p r i n c i p l e t h a t a n u n e m a n c i p a t e d m i n o r may n o t s u e a p a r e n t i n

t o r t i s a "man-made r u l e           ," and       i t is t h e d u t y o f t h e j u d i c i a r y i n

examining          it     to    make      such     rule     as    justice      requires         when     the
l e g i s l a t u r e h a s n o t chosen t o act.
       O u r h o l d i n g is l i m i t e d t o t h e i s s u e s c e r t i f i e d t o u s by t h e

Federal Court;               " i s a parent        immune from a c t i o n i n t o r t b r o u g h t

against         him     by     his   children          under     the     age    of    emancipation?"
W h i l e t h e i s s u e c e r t i f i e d t o u s by t h e f e d e r a l c o u r t a s k s " i s a

parent       ...         in - rt
                             -
                            to          . . .;" o u r        h o l d i n g is l i m i t e d to a c t i o n s
b r o u g h t a g a i n s t a p a r e n t by a c h i l d u n d e r t h e a g e of e m a n c i p a t i o n
i n j u r e d i n t h e o p e r a t i o n of       a motor v e h i c l e .        To allow s u c h a n

a c t i o n d o e s n o t u n d e r m i n e p a r e n t a l a u t h o r i t y and d i s c i p l i n e , n o r
d o e s it t h r e a t e n t o s u b s t i t u t e j u d i c i a l      discretion for parental
d i s c r e t i o n i n t h e care and r e a r i n g o f m i n o r c h i l d r e n .             W e must

r e c o g n i z e t h a t t h e r e may be p a r e n t a l e x e r c i s e s of d i s c r e t i o n and
a u t h o r i t y w h i c h would d e s e r v e s p e c i a l p r o t e c t i o n     i n a c o u r t of
law.       Here,        w e m e r e l y remove a n y b a r r i e r t o t h e e n f o r c e m e n t of
l i a b i l i t y i n a n a u t o m o b i l e a c c i d e n t case b r o u g h t by a n uneman-
c i p a t e d minor a g a i n s t a p a r e n t .        When c o n f r o n t e d w i t h o t h e r cases
i n v o l v i n g claimed p a r e n t a l immunity, we w i l l a t t h a t t i m e d e t e r -

mine       to     what         extent     the      doctrine        or     privilege            should     be
recognized.
       I n a d d i t i o n , w e h o l d t h a t t h e h o u s e h o l d e x c l u s i o n c l a u s e is

i n v a l i d due to its f a i l u r e to "honor t h e r e a s o n a b l e e x p e c t a t i o n s "
of    t h e p u r c h a s e r of t h e p o l i c y .      See Keeton, Insurance R i g h t s a t
Variance         with Policy Provisions,                    83   H a r v a r d Law Rev.         961,    967
(   1970).       P r o f e s s o r K e e t o n s e t s f o r t h t h i s p r i n c i p l e as f o l l o w s :
                "The o b j e c t i v e l y r e a s o n a b l e e x p e c t a t i o n s o f
                applicants             and       intended            beneficiaries
                r e g a r d i n g t h e terms o f i n s u r a n c e c o n t r a c t s
                w i l l be h o n o r e d e v e n t h o u g h p a i n s t a k i n g s t u d y
                o f t h e p o l i c y p r o v i s i o n s would h a v e n e g a t e d
                those expectations            ."
       This      policy        is    an    adhesion        contract        that      justifies          this
C o u r t s c o n s i d e r a t i o n o f t h e consumer a p p r o a c h .
       W e h o l d t h a t a p a r e n t is n o t immune from s u i t b r o u g h t by h i s

c h i l d under t h e age of              emancipation i n cases involving parental
n e g l i g e n c e i n t h e o p e r a t i o n of a m o t o r v e h i c l e .   C o n s e q u e n t l y , we
must hold          t h a t a family exclusion clause                     is v o i d    and     unenfor-
ceable       because      s e c t i o n 61-6-301 ( 1), MCA,             r e q u i r e s m o t o r i s t s to
c a r r y i n s u r a n c e a g a i n s t l o s s r e s u l t i n g from l i a b i l i t y imposed b y
l a w f o r i n j u r y s u f f e r e d by a n y p e r s o n .




We c o n c u r :                             i            I
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                   i




D i s t p i c t Judge, s i t t i n g i n
place of Ydr. J u s t i c e F r a ~ k .  B
:Piorrison, J r .
Mr.    J u s t i c e D a n i e l J . Shea s p e c i a l l y c o n c u r r i n g .
       I j o i n t h e m a j o r i t y on t h e i s s u e of           t h e "household e x c l u s i o n "

i n the      insurance policy.                 I would        go a n o t h e r s t e p ,      h o w e v e r , on
t h e q u e s t i o n of     parental        immunity and s i m p l y d e c l a r e t h a t t h i s
Court      does      not      recognize         the     doctrine           and      if   it        is    to   be
recognized,          it    is a q u e s t i o n       for     the   legislature,           not          for the

courts.
       The m a j o r i t y c o n f i n e s t h e a b o l i t i o n of p a r e n t a l         immunity to
"actions brought              a g a i n s t a p a r e n t by a c h i l d u n d e r             t h e a g e of

e m a n c i p a t i o n i n j u r e d i n t h e o p e r a t i o n of a m o t o r v e h i c l e      ."     But,
a s l o n g a s t h i s C o u r t h a s now r e f u s e d t o r e c o g n i z e t h i s d o c t r i n e ,
w e s h o u l d n o t d e c i d e t h a t p o s s i b l y w e may r e c o g n i z e it i n a n o t h e r
context than            t h a t which h a s b e e n p r e s e n t e d            here.        If    parental
immunity is t o be r e c o g n i z e d c o m p l e t e l y , or i n any l i m i t e d f o r m ,
i t seems t o m e t h a t t h e l e g i s l a t u r e is t h e p r o p e r p l a c e to d e t e r -

mine     the     circumstances           i n which          it s h o u l d o r s h o u l d n o t         be   so
recognized.           T h e s e are p u b l i c p o l i c y q u e s t i o n s b e t t e r l e f t to t h e
legislature;            we     are       ill-equipped             to      undertake           that        task.