Ambrose v. USAA Gen. Indemn. Co.

2022 Ohio 2629
CourtOhio Court of Appeals
DecidedAugust 1, 2022
Docket2021-P-0108
StatusPublished
Cited by1 cases

This text of 2022 Ohio 2629 (Ambrose v. USAA Gen. Indemn. Co.) is published on Counsel Stack Legal Research, covering Ohio Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ambrose v. USAA Gen. Indemn. Co., 2022 Ohio 2629 (Ohio Ct. App. 2022).

Opinion

[Cite as Ambrose v. USAA Gen. Indemn. Co., 2022-Ohio-2629.]

IN THE COURT OF APPEALS OF OHIO ELEVENTH APPELLATE DISTRICT PORTAGE COUNTY

MARY AMBROSE, INDIVIDUALLY CASE NO. 2021-P-0108 AND ON BEHALF OF CAROLINE AMBROSE, Civil Appeal from the Plaintiff-Appellant, Court of Common Pleas

-v- Trial Court No. 2019 CV 00477 USAA GENERAL INDEMNITY COMPANY, et al.,

Defendants-Appellees.

OPINION

Decided: August 1, 2022 Judgment: Reversed and remanded

Florence A. Murray, Murray & Murray Co., LPA, 111 East Shoreline Drive, Sandusky, OH 44870 (For Plaintiff-Appellant).

C. Joseph McCullough and Matthew C. Notaro, White, Getgey & Meyer Co., LPA, 6125 East Kemper Road, Suite 100, Cincinnati, OH 45241 (For Defendant-Appellee, USAA General Indemnity Company).

Jay S. Hanson, American Family Insurance, 1900 Polaris Parkway, Suite 200 B, Columbus, OH 43240 (For Defendant-Appellee, Morticia Williamson).

MARY JANE TRAPP, J.

{¶1} At the center of this case is an automobile-pedestrian accident in which the

driver, appellee Morticia Williamson (“Mrs. Williamson”) backed into the shopping cart of

a pedestrian-victim, Caroline Ambrose (“Caroline”), in a Marc’s parking lot in Kent, Ohio.

Caroline was thrown to the ground from the impact. Mrs. Williamson admitted negligence

shortly before the jury trial. Caroline’s daughter, appellant, Mary Ambrose (“Ms. Ambrose”), individually and as executrix for Caroline’s estate, appeals from the judgments

of the Portage County Court of Common Pleas, which dismissed her claims of negligence

and loss of consortium after the jury returned a finding that the negligence of Mrs.

Williamson was not the proximate cause of Caroline’s injuries and denied her motion for

judgment notwithstanding the verdict/motion for new trial. Caroline’s underinsured

motorist coverage (“UIM”) insurer, USAA General Indemnity Company (“USAA General”),

is also an appellee; however, the trial court granted its motion in limine to limit any mention

of insurance during trial, and it agreed to be bound by the trial court’s judgment.

{¶2} Ms. Ambrose raises eight assignments of error on appeal, contending that

the trial court erred (1) by denying her motion for judgment notwithstanding the

verdict/motion for new trial, (2) by granting USAA General’s motion in limine barring any

mention of insurance at trial, (3) when it overruled her objection to defense counsel’s

cross-examination of Ms. Ambrose, (4) by refusing to strike jurors for cause and

rehabilitating jurors who displayed a clear bias against her case, (5) in ruling that direct

security camera footage of the collision could not be authenticated by Mrs. Williamson,

(6) by denying a highly relevant and warranted “Egg Shell” jury instruction, (7) by

overruling her objections to defense counsel’s “perverse” line of questioning, and (8)

sustaining defense counsel’s objection to testimony regarding Caroline’s home health

care.

{¶3} After a thorough review of the record and pertinent law, we determine Ms.

Ambrose’s first, third, fifth, sixth, seventh, and eighth assignments of error have merit. A

review of juror interrogatory no. 1, i.e., whether Mrs. Williamson’s negligence proximately

caused Caroline’s injuries, as well as the lack of an “Egg Shell” jury instruction, in

conjunction with several evidentiary rulings allowing the improper cross-examination of 2

Case No. 2021-P-0108 Ms. Ambrose on personal, out-of-pocket expenses for Caroline’s medical expenses and

her improper motives and disallowing self-authenticating footage of the underlying

collision to be played to the jury led the jury astray. Indeed, despite the uncontroverted

evidence to the contrary, the jury found that Mrs. Williamson’s negligence did not

proximately cause Caroline’s injury. Thus, the jury’s verdict is not supported by the

manifest weight of the evidence, and it is apparent that the jury was misdirected from the

issues that were to be decided, i.e., proximate cause and noneconomic damages, if any,

from the injuries sustained in the collision.

{¶4} Lastly, the issue of USAA General’s contractual obligation under the UIM

policy was not a jury issue; thus, we do not find the trial court erred by granting USAA

General’s motion in limine to prohibit any mention of insurance at trial. Nor can we say

the trial court abused its discretion for failing to strike a juror for cause where the juror,

upon the court’s questioning, stated he could be fair and impartial and follow the law per

the court’s instruction.

{¶5} The judgment of the Portage County Court of Common Pleas is reversed,

and this matter is remanded for a new trial in accordance with this opinion.

Substantive and Procedural History

{¶6} On February 18, 2018, at approximately 4:30 in the afternoon, Mrs.

Williamson backed her car into Caroline’s shopping cart, which pushed against her and

threw her to the ground. Mrs. Williamson admitted to negligence shortly before trial.

{¶7} Ms. Ambrose, individually and on behalf of her mother, Caroline, filed a

complaint in the Portage County Court of Common Pleas, alleging claims of negligence

and loss of consortium against Mrs. Williamson and Caroline’s UIM insurer, USAA

General. Caroline, who was in her early 90s, passed away from unrelated causes while 3

Case No. 2021-P-0108 the case was pending, and Ms. Ambrose was substituted as a party in her fiduciary

capacity.

Motion in Limine

{¶8} Several weeks before trial, USAA General filed a motion in limine to

preclude any mention of the existence and/or involvement of liability insurance or UIM

coverage. USAA General also sought to amend the case caption to “Mary Ambrose, et

al. vs. Morticia Williamson, et al.” USAA General stipulated and agreed that Caroline was

an insured under a USAA policy, that the USAA policy provided for UIM coverage, and

that it was obligated to pay any judgment exceeding Mrs. Williamson’s liability limits up to

its UIM coverage limits. USAA General agreed to be bound by the final judgment entry

of the trial court.

{¶9} The trial court granted USAA General’s motion in limine, in part, to limit any

mention of liability and/or UIM insurance coverage, but denied its request to recaption the

matter and remove USAA General’s name from the caption.

Voir Dire

{¶10} The case proceeded to a three-day jury trial before a magistrate. As

relevant to this appeal, Ms. Ambrose contends two of the jurors showed a clear difficulty

in applying the evidentiary standard “more likely than not” or “51% versus 49%” and that

they should have been stricken for cause.

{¶11} A number of the prospective jurors expressed difficulty with the

preponderance of the evidence or “more likely than not” concept, particularly when the

concept was presented in terms of percentages. The first such juror was challenged for

cause, and the trial court overruled the challenge. Ms. Ambrose exercised her first

peremptory challenge to excuse that juror. A second similar challenge for cause was 4

Case No. 2021-P-0108 presented for a second juror who expressed a dislike for the “51%” number, and the trial

court sustained that challenge. A third juror wanted a 75% burden of proof, but upon

questioning by the trial court, he said he would, “to the best of his ability,” follow the

instructions of the court. The cause challenge was overruled. Ms. Ambrose exercised

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2022 Ohio 2629, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ambrose-v-usaa-gen-indemn-co-ohioctapp-2022.