Langevin v. Travco Insurance CompanyAnnotate this Case
Plaintiffs Brian and Nancy Langevin appealed a superior court order denying their motion for summary judgment and granting summary judgment to defendant, Travco Insurance Company (Travco). The trial court ruled that plaintiffs were not entitled to payment from Travco under their medical payments coverage to pay a lien asserted by the plaintiffs’ health insurer because such payment would constitute a “duplicate payment” contrary to the language of both RSA 264:16, IV (2014) and plaintiffs’ automobile insurance policy with Travco. The New Hampshire Supreme Court reversed and remanded. "Although our interpretation does not allow the plaintiffs to retain the benefit of payment from both a health insurer and an automobile insurer for the same medical expense, we recognize that it does leave open the possibility that the plaintiffs will receive a double benefit in a different sense — they may receive and retain the benefit of medical payments coverage, and a recovery from the third-party tortfeasor. This type of double benefit is not prohibited by RSA 264:16, IV." The Court found the plain language of RSA 264:16, IV prohibited duplicate payments for the same medical expense from only two sources: “medical payments coverage and a health insurance policy.” It does not address payments, duplicate or otherwise, from a tortfeasor or a tortfeasor’s liability insurer. Because the statute expressly prohibited “duplicate payment” only from medical payments coverage and a health insurance policy, with no reference to payments from the tortfeasor or the tortfeasor’s liability policy, the Court construed the prohibition on “duplicate payment” as applying only to medical payments from health insurers and automobile insurers.