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State v. McCourt

Decided: December 10, 1974.

STATE OF NEW JERSEY, PLAINTIFF-RESPONDENT,
v.
LILLIAN MCCOURT AND GORDON MCCOURT, DEFENDANTS-APPELLANTS



Carton, Crane and Kole. The opinion of the court was delivered by Kole, J.A.D.

Kole

Defendant husband was the owner and his wife the operator of an automobile with respect to which there was no liability insurance. They were convicted in the County Court on a de novo appeal from municipal court convictions by reason of the operation of this noninsured car contrary to N.J.S.A. 39:6B-2. The County Court imposed a $50 fine on each defendant and suspended the driving privileges of each of them for six months. They appeal from their convictions and sentences.

They first argue that the statute here involved represents an unconstitutional burden on their freedom to travel. We disagree.

The compulsory automobile liability insurance provision, N.J.S.A. 39:6B-1, and the sanction for noncompliance therewith, N.J.S.A. 39:6B-2, provide that every owner of a motor vehicle registered or principally garaged within the state must carry automobile liability insurance. Failure to have such insurance subjects the owner of the motor vehicle, as well as the operator thereof (who knows or should know of lack of insurance), where it is operated on a highway

in this State, to a fine of not less than $50 and the forfeiture of the right to operate a motor vehicle over the highways of the State for a period of six months from the date of conviction.

The statute does not penalize or burden defendants' right to interstate travel. It represents an appropriate exercise of the State's police power that in no wise contravenes any federal constitutional or other right. Here the State requires an owner of a dangerous instrumentality such as an automobile, as a condition precedent to the use of the State's highways, to ensure compensation for damages to others that may be sustained as a result thereof. This requirement is a salutary regulation by the State of its highways to ensure that they are used safely and that others who may be damaged by such use are protected, by spreading the risk of the damage through liability insurance. See Bell v. Burson, 402 U.S. 535, 91 S. Ct. 1586, 29 L. Ed. 2d 90 (1971); Reitz v. Mealey, 314 U.S. 33, 62 S. Ct. 24, 86 L. Ed. 21 (1941);*fn1 State v. Kabayama, 98 N.J. Super. 85 (App. Div. 1967), aff'd 52 N.J. 507 (1968); Williams v. Sills, 55 N.J. 178 (1969); State v. Smith, 58 N.J. 202 (1971); Howell v. Rosecliff Realty Co., 52 N.J. 313 (1968); Miller v. Anckaitis, 436 F. 2d 115 (3 Cir. 1970); Wright v. Malloy, 373 F. Supp. 1011 (D.C. Vt. 1974).

Defendants also contend that the compulsory insurance law, by forcibly including high risk as well as low risk

persons into the insurance market, impermissibly burdens them as low risk persons with inflated insurance premium rates available to them. There are no facts presented supporting either their claim of being low risk insureds or their analysis of the dynamics of the insurance market and premiums resulting therefrom.*fn2 They further claim a denial of equal protection, charging that low risk insureds and indigents suffer invidious discrimination because rates of insurance premiums are thus encumbered by the compulsory insurance law. Irrespective of whether they have standing, by reason of indigency or being low risk persons, to attack the statute here involved on equal protection grounds, we find the challenge to be without merit.

The promotion of the compelling State interest by this statute, already discussed, disposes of defendants' claimed deprivation of equal protection. They are not being invidiously discriminated against or treated as a class separate and apart from others. All automobile owners in the State, irrespective of the nature of their risk or economic status, are obliged to buy such insurance for valid and most significant state reasons. See Bell v. Burson, supra; Wright v. Malloy, supra. See and compare Shapiro v. Thompson, 394 U.S. 618, 89 S. Ct. 1322, 22 L. Ed. 2d 600 (1969); Graham v. Richardson, 403 U.S. 365, 91 S. Ct. 1848, 29 L. Ed. 2d 534 (1971).

Defendants argue that it was illegal for the County Court to increase the penalty given in the municipal court. The municipal court imposed a $25 fine, plus $20 court costs, on Mr. McCourt, and a $10 fine, plus $10 costs, on Mrs. McCourt. ...


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