Aetna Casualty & Surety Co. v. Purvis

316 So. 2d 845, 1975 La. App. LEXIS 4462
CourtLouisiana Court of Appeal
DecidedJuly 16, 1975
DocketNo. 5084
StatusPublished
Cited by1 cases

This text of 316 So. 2d 845 (Aetna Casualty & Surety Co. v. Purvis) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Aetna Casualty & Surety Co. v. Purvis, 316 So. 2d 845, 1975 La. App. LEXIS 4462 (La. Ct. App. 1975).

Opinion

FRUGÉ, Judge.

This suit was brought by Aetna Casualty & Surety Company as a result of a fire which destroyed a vehicle on which they had issued a comprehensive general liability insurance policy and which covered the vehicle from loss from fire. Made defendants are: Leo Purvis, d/b/a Purvis Motor Company, and his insurer, American Mutual Hardware Insurance Company, and C. H. Jensen, d/b/a Dixie Truck Refrigeration Service, and his insurer, American Motorist Insurance Company.

Aetna alleged that the fire was caused by the negligence of an employee of Purvis Motor Company or of Dixie Refrigeration or both. The trial judge rendered judgment in favor of the defendants and dismissed Aetna’s claim. We affirm in part and reverse in part.

The insured truck was under a long-term lease to Adams Eggs, Inc. and was being used by their Ferriday, Louisiana, branch called Kings Eggs, Inc. The truck was an International truck and was about a month old at the time of the fire. It had an appraised value of $7,800 which amount was paid to Adams Eggs by Aetna pursuant to their policy.1

The primary dispute centers around the installation of an electrical wire which plaintiff alleges ran from the battery of the burned truck to a starter on the motor of a refrigeration unit amounted on the vehicle. The refrigeration unit and wire were installed by Dixie Refrigeration Service. Plaintiff contends that the wire ran from the refrigeration unit down the truck, through a hole in the frame of the truck to the battery where it hooked into the electrical system of the truck. The contention is that the wire was improperly installed causing the rubber insulation on the wire to rub off during operation of the vehicle and eventually causing a short which caused the fire.

Defendants, C. H. Jensen and his insurer, contend that Jensen did not install the wire through a hole in the truck and conceded that this would be improper installation. Jensen contends that the wire ran along the frame of the truck, to which it was attached with nylon clamps, and then to a solenoid located on the starter of the truck.

The trial judge concluded the plaintiff had failed to carry his burden of proving negligence on the part of the defendants and accordingly dismissed the suit. Plaintiffs appeal this judgment.

At the outset we note that the plaintiff makes no contention that Leo Purvis or any employee of Purvis was negligent. We have studied the record and find no basis for finding Purvis liable. Consequently, we affirm the trial court’s judg[847]*847ment as to Purvis and American Mutual Hardware Insurance Company.

As noted above, plaintiff contends that the fire resulted from improper installation of a refrigeration unit wire on the part of Dixie Refrigeration Service.

The fire occurred on September 29, 1971, on Highway 28 in Catahoula Parish. At the time the truck was being driven by George Spurs, an employee of Kings Eggs, Inc. Spurs2 was making a delivery of eggs to Pineville, Louisiana, when the truck stopped running. Purvis Motor Company was called and Scott Ensminger, a Purvis employee, went to attempt to start the truck. Ensminger attempted to jump the truck off with jumper cables. When this failed, Ensminger returned to the Purvis Motor Company, secured a new battery; alternator and voltage regulator and returned to the truck and installed them.

As Ensminger and Spurs were again attempting to start the truck, a puff of smoke arose from beneath the body of the truck. Ensminger immediately disconnected the battery cable and looked under the passenger side of the truck where the smoke was coming from. He found a wire going to a refrigeration unit on fire where a wad of tape was wrapped around it as it ran through a hole in the frame of the truck. Ensminger attempted to smother the fire with a rag but was unable to do so.

The fire spread when gasoline from a “saddle tank” located nearby caught fire. The driver Spurs explained that he had just filled the tanks before the truck stopped and that gas was expanding and running out of the vented gas cap due to the heat.

Ensminger testified that the fire started at a point on the wire where it ran through a hole in the frame of the truck under the passenger side of the vehicle. He stated that the wire at that point'was wrapped with electrical tape which when he first saw the fire was melting off and burning. He stated that the wire ran to the positive pole of the truck’s battery and that he did not see any places where the wire was attached to the frame. He specifically testified that the wire was not held in the center of the hole where it would not touch the frame.

Spurs also helped attempt to put out the fire. He testified that the wire had several bad spots on it and that it had been taped several times and that he had put tape on it that morning. He did not remember whether the fire started at a point where the wire was taped. However, like Ensminger, he was sure that the fire had been started by the wire and that the wire ran from the refrigeration unit to the battery.

Max Jones, an independent auto appraiser and expert mechanic, testified that he examined the vehicle at Brown’s Auto Ranch several days after the accident. Brown testified that at that time all of the insulation had been burnt off the wire by the fire but that the wire showed evidence of being worn 3 where it entered the frame and where it went through the frame. He found the wire to be loose and not closely attached to the frame. Like Ensminger, he found that the wire ran through a hole in the frame and stated that when an electrical wire is run through the frame in this fashion it should be encased in some type of housing for protection. He found no such housing. Jones also stated that the cab on this type of truck is subject to a lot of movement which could cause the insulation to be worn through.

The defendant C. H. Jensen testified that he inspected the truck several months [848]*848after it burned and acknowledged that the wire ran through a hole in the frame of the truck. Jensen also acknowledged that this would be an improper installation due to the danger of the insulation being worn away, causing a short. However, Jensen denied that he had installed the wire in this fashion.

Jensen stated that Dixie Refrigeration had installed the refrigeration unit from another truck onto the International and that he had personally inspected the wire and found it to be in good shape. He further stated that Dixie Refrigeration did not run wires through holes in the frame of a truck, and that the wires were always clamped to the frame of the truck with rubber or nylon straps. He stated that he remembered using nylon straps on this installation. Jensen emphasized that this could not have been his installation because on an International truck the refrigeration wire is run to the solenoid on the starter and not to the battery. The reason for this is to save wire; the shortest route to an electrical source is always used which, in the case of an International, is to the starter (which itself has a wire to the battery) 4

Emmanuel Robinson, Jr., an employee of Dixie Refrigeration, also testified. Basically, Robinson’s testimony with regard to how the installation was made on this truck was the same as Jensen’s.

With regard to the condition of the truck on the day of the fire,

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Bluebook (online)
316 So. 2d 845, 1975 La. App. LEXIS 4462, Counsel Stack Legal Research, https://law.counselstack.com/opinion/aetna-casualty-surety-co-v-purvis-lactapp-1975.