Alexander v. Estate of McNeal

44 So. 3d 338, 9 La.App. 3 Cir. 1169, 2010 La. App. LEXIS 987, 2010 WL 2594313
Louisiana Court of Appeal·Decided June 30, 2010·No. No. 10-66·Published·Cited by 3 cases

Opinion

COOKS, Judge.

hOn December 7, 2007, a two truck head-on collision occurred in Avoyelles Parish, Louisiana. Both drivers were killed. Maurice McNeal drove a tractor owned by Tyler Timber, Inc. and insured by Praetorian Specialty Insurance Company (Praetorian). Marvin Dupar drove the other vehicle, a truck, which he owned. At the time of the accident, Mr. Dupar had a policy of automobile liability insurance with Republic Vanguard Insurance Company.

Marvin Dupar was survived by his wife, Althea Dupar, and two children from their marriage. Mr. Dupar was also survived by two illegitimate children, Andre Alexander and Phaetra Moore.

As a result of the accident, separate lawsuits were filed by Ms. Dupar and her children and by Alexander and Moore seeking wrongful death and survival damages. In both of those lawsuits, the Plaintiffs, the wife and children, both legitimate and illegitimate, of Marvin Dupar alleged the negligence of Maurice McNeal was the cause of the accident. It was also alleged that at the time of the accident, Praetorian had in force and effect a policy of automobile insurance that provided liability insurance coverage for Mr. McNeal’s negligence. The two suits were consolidated for trial.

[339] The record established Mr. Dupar signed two UM rejection forms concerning his Republic policy, one on April 30, 2007, and then another on July 31, 2007. Neither form contained a policy number, even though both forms had a blank for a policy number. The parties disagreed on whether there was a policy number in effect on April 30, 2007. It was undisputed that there was a policy number in effect at the time of the July 31, 2007 waiver.

Republic filed a motion for partial summary judgment, contending there was 12no policy number in effect on April 30, 2007; and thus, that waiver was not required to contain a policy number. Since the April 30, 2007 form is valid, it argued the second waiver form was legally irrelevant. The Dupars filed their own motion for partial summary judgment on the grounds that neither selection form contained a policy number as required by Duncan v. USAA Ins. Co., 06-363 (La.11/29/06), 950 So.2d 544, thus neither waiver was valid. In the alternative, if it is determined the first waiver did not require a policy number, the Dupars argue the result is the same, because the second waiver superceded the first waiver, and since the second one did not contain a policy number, it too was not valid.

After a hearing on both motions on July 13, 2009, the trial court granted the Du-pars’ motion for partial summary judgment and denied Republic’s motion. The trial court found the July 31, 2007 election form replaced or superceded the April 30, 2007 form, and because there was no policy number on the July 31, 2007 form, that waiver was invalid. The trial court signed two judgments to reflect its rulings.

Republic has appealed both judgments, asserting the April 30, 2007 selection form was valid in all particulars, and the mere fact that a subsequent UM rejection form was issued for the same policy does not invalidate the initial rejection form.

I. Standard of Review.

Appellate courts review motions for summary judgments de novo to determine whether any genuine issue of material fact exists and whether the mover is entitled to judgment as a matter of law. La.Code Civ.P. art. 966(B). A motion for summary judgment will be granted “if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to material fact, and that mover is entitled to judgment as a matter of law.” La.Code Civ.P. art. 966(B). The mover bears the initial burden of proof to |sshow that no genuine issue of material fact exists. La.Code Civ.P. art. 966(C)(2).

II. Analysis.

Louisiana Revised Statutes 22:1295(l)(a)(i) provides that no policy of automobile liability insurance “shall be delivered or issued for delivery in this state” without uninsured motorist coverage; however, UM coverage “is not applicable when any insured named in the policy either rejects coverage, selects lower limits, or selects economic-only coverage, in the manner provided in Item(l)(a)(ii) of this Section.” Subsection (a)(ii) of La. R.S. 22:1295(l)(a) provides that the “rejection, selection of lower limits, or selection of economic-only [UM] coverage shall be made only on a form prescribed by the commissioner of insurance” and that “[a] properly completed and signed form creates a rebuttable presumption that the insured knowingly rejected [UM] coverage.”

In Duncan, 950 So.2d at 547, the supreme court observed that strong public policy is embodied in the UM coverage statute and that the statute is to be liberally construed, which “requires the statutory [340] exceptions to coverage be interpreted strictly.” For these reasons, “the insurer bears the burden of proving any insured named in the policy rejected in writing the coverage equal to bodily injury coverage or selected lower limits.” Id. Thereafter, the supreme court identified six tasks which must be performed to complete the UM selection form prescribed by the Commissioner of Insurance in order to reject UM coverage:

[T]he prescribed form involves six tasks: (1) initialing the selection or rejection of coverage chosen; (2) if limits lower than the policy limits are chosen (available in options 2 and 4), then filling in the amount of coverage selected for each person and each accident; (3) printing the name of the named insured or legal representative; (4) signing the name of the named insured or legal representative; (5) filling in the policy number; and (6) filling in the date.

Id. at 551. Failure to comply with one of these six tasks results in an invalid | ^ejection of UM coverage. It was undisputed that the second waiver did not contain a policy number, even though a policy number was in existence. Therefore, it did not comply with the mandates of Duncan and did not validly waive UM coverage.

In this case, after having Mr. Dupar sign a UM waiver form on April 30, 2007, Republic presented another waiver form to Mr. Dupar, dated July 31, 2007, and required him to sign the form. Now it argues, rather conveniently, that this subsequent document which they required Mr. Dupar to sign is “legally irrelevant” because the first form is still valid. At the hearing on the motion for summary judgment, the trial court specifically asked counsel for Republic what were the differences in the second rejection form, and was told “none.” The trial court then asked counsel for Republic, if there were no differences in the forms, why was it presented to Mr. Dupar? Counsel for Republic replied “it’s my understanding the insurance company simply [is] updating its forms like it does.” The trial court then responded that the “the language is different ... And so I mean if it doesn’t super-cede the second one, if it doesn’t supercede the first, then it gives the insurer two from which to benefit from the language possibly.” Counsel for Republic maintained the differences in the two forms were not substantive, and likened the signing of the second UM rejection form to signing a policy renewal. The trial court was not persuaded, and set forth the following reasons in open court for finding the second policy superceded the first policy:

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Alexander v. Estate of McNeal, 44 So. 3d 338, 9 La.App. 3 Cir. 1169, 2010 La. App. LEXIS 987, 2010 WL 2594313 (La. Ct. App. 2010).

44 So. 3d 338 (Alexander v. Estate of McNeal) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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