Beattie v. McCoy

2018 Ohio 2535, 115 N.E.3d 867
CourtOhio Court of Appeals
DecidedJune 29, 2018
DocketNOS. C-170197; C-170211
StatusPublished
Cited by8 cases

This text of 2018 Ohio 2535 (Beattie v. McCoy) 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
Beattie v. McCoy, 2018 Ohio 2535, 115 N.E.3d 867 (Ohio Ct. App. 2018).

Opinion

Cunningham, Judge.

{¶ 1} In these consolidated appeals, the parties contest whether defendant-appellee and cross-appellant OHA Insurance Solutions, Inc., ("OHAIS") must provide indemnification under a professional-liability insurance policy it issued to defendant Terrance McCoy, a former medical doctor, for harm that he caused to his patient, plaintiff-appellant and cross-appellee Dolly Beattie, during McCoy and Beattie's tumultuous one-year sexual relationship.

{¶ 2} In the appeal numbered C-170197, Beattie challenges the trial court's entry resolving the parties' cross-motions for summary judgment in favor of OHAIS on her claim that under the terms of its professional-liability policy OHAIS had a duty to indemnify because McCoy had harmed Beattie "while performing [a] professional service." And in the appeal numbered C-170211, OHAIS has brought a cross-appeal challenging the trial court's denial of its motion to strike the affidavit of Beattie's expert witness.

{¶ 3} Because the trial court erred in denying OHAIS's motion to strike the challenged affidavit, we reverse its judgment in OHAIS's cross-appeal. Because we find no error in the trial court's entry granting summary judgment for OHAIS on the insurance-coverage issue, we affirm the trial court's judgment challenged in Beattie's appeal.

SEXUAL CONDUCT BY McCOY

{¶ 4} McCoy is a self-described "sex addict" who nonetheless practiced internal medicine from 1993 until October 2012. In 2003, the State Medical Board of Ohio suspended McCoy's license for six month because he had had an affair with a patient.

{¶ 5} McCoy had been Beattie's internist since 1996. He treated her for a variety of medical ailments. In October 2010, she informed McCoy that she was suffering from depression and asked him for help. McCoy referred Beattie to Dr. Janet Stedman, a clinical therapist, for treatment of depression and anxiety. Beattie's first appointment with Dr. Stedman was on October 21, 2010.

{¶ 6} On September 8, 2011, Beattie visited McCoy complaining of pain in her hands, and body aches and swelling. McCoy examined Beattie's back and shoulders. Beattie claims that McCoy then began to rub her shoulders and placed his hands on her breasts, rubbed his groin against her, and exposed himself. Beattie did not stop McCoy's advances and the two kissed.

{¶ 7} After this encounter the two began a tumultuous sexual relationship. Though both were married, they met for sex weekly. McCoy visited Beattie's house when her husband was out of town. Beattie rented motel rooms to have sex with McCoy. They had sex in McCoy's office after hours and on weekends. They exchanged lewd messages, photographs, and video files.

{¶ 8} During the year-long affair, Beattie and McCoy often fought. Beattie threatened to report McCoy's behavior to the state medical board and to McCoy's wife. But she continued her illicit relationship with him. McCoy stated that he had begun the affair to satisfy his sexual addiction, but remained in the affair because he feared being discovered.

{¶ 9} Eventually Beattie filed a complaint with the state medical board. But McCoy convinced her to withdraw her charges. The state medical board continued its own independent investigation, and McCoy was forced to surrender his medical license in 2012 with no opportunity for reinstatement. Beattie ultimately informed McCoy's wife and his employer about their affair.

THE DISPUTE OVER INSURANCE COVERAGE

{¶ 10} During the time of the affair, OHAIS had issued to its insured, McCoy, a "Professional Liability Insurance Policy for Healthcare Professionals." The policy provided, in pertinent part, that:

We will pay claims which the insured becomes legally obligated to pay because of professional services provided or which should have been provided. We will pay only if:
The claim involves an allegation of injury * * * because of professional services provided or which should have been provided or that result from an incident which causes bodily injury * * *.

{¶ 11} The policy defined "professional services" as "medical, surgical, dental, imaging, mental or other health care professional service or treatments * * *; [and the] provision of drugs, health care supplies or appliances."

{¶ 12} Beattie commenced this action in 2016, alleging, inter alia, that McCoy's sexual behavior constituted medical malpractice which had caused her great harm. In the eighth count of her complaint, Beattie also sought a declaration that under the terms of its professional-liability policy OHAIS had a duty to indemnify McCoy because he had damaged Beattie "while performing [a] professional service." OHAIS answered the complaint, and raised its counterclaim against Beattie seeking a declaration that it was not obligated to indemnify McCoy against the claims asserted by Beattie. McCoy requested that OHAIS defend and indemnify him. OHAIS defended McCoy under a strict reservation of rights, but declined any duty to indemnify him.

{¶ 13} During discovery, Beattie identified Stuart Bassman, Ed.D., a clinical psychologist, as her expert witness. Before Dr. Bassman's deposition, he produced reports in which he opined that Beattie had sustained aggravation of her post-traumatic stress disorder ("PTSD"), because of the affair with McCoy. Beattie already suffered from PTSD and other issues, including depression and anxiety, because of prior sexual violence inflicted on her in her youth. In Dr. Bassman's opinion, McCoy should have known that Beattie was vulnerable because of her history, and with that knowledge, he exploited and "revictimized" Beattie by having a sexual relationship with her.

{¶ 14} Based upon the opinions offered in Dr. Bassman's deposition testimony and the report made an exhibit to his testimony, OHAIS moved for summary judgment on its insurance-coverage counterclaim. Beattie also filed a summary-judgment motion on her insurance-coverage claim and opposed OHAIS's motion. Attached to Beattie's motion was an affidavit from Dr. Bassman in which he extensively discussed "transference phenomenon" and his opinion that McCoy failed to manage Beattie's transference properly.

{¶ 15} OHAIS moved to strike Dr. Bassman's affidavit claiming that the affidavit contained opinions that had not been previously disclosed and were inadmissible under Civ.R. 56 and Evid.R. 702 and 705. The trial court held a lengthy hearing on the matter, and on April 10, 2017, denied the motion. The trial court also journalized an entry granting OHAIS's motion for summary judgment on its insurance-coverage counterclaim, and denying Beattie's summary-judgment motion on her declaratory-judgment claim.

{¶ 16} In mid-April, the trial court ruled in favor of Beattie on her medical malpractice claims against McCoy and entered judgment in Beattie's favor in the amount of $867,500.

{¶ 17} Beattie and OHAIS filed timely notices of appeal or cross-appeal from those entries. In the appeal numbered C-170197, Beattie challenges the trial court's entry of summary judgment in favor of OHAIS on insurance coverage. And in the appeal numbered C-170211, OHAIS has brought a cross-appeal challenging the denial of its motion to strike Dr. Bassman's affidavit.

OHAIS's CROSS-APPEAL CHALLENGING DR. BASSMAN'S AFFIDAVIT

{¶ 18} Because Civ.R.

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Cite This Page — Counsel Stack

Bluebook (online)
2018 Ohio 2535, 115 N.E.3d 867, Counsel Stack Legal Research, https://law.counselstack.com/opinion/beattie-v-mccoy-ohioctapp-2018.