Bellard v. American Cent. Ins. Co.

958 So. 2d 107, 2007 WL 1549098
CourtLouisiana Court of Appeal
DecidedMay 30, 2007
Docket06-958
StatusPublished
Cited by3 cases

This text of 958 So. 2d 107 (Bellard v. American Cent. Ins. Co.) 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
Bellard v. American Cent. Ins. Co., 958 So. 2d 107, 2007 WL 1549098 (La. Ct. App. 2007).

Opinion

958 So.2d 107 (2007)

Eugene BELLARD
v.
AMERICAN CENTRAL INS. CO., et al.

No. 06-958.

Court of Appeal of Louisiana, Third Circuit.

May 30, 2007.

*108 Frederick L. Cappel Raggio, Cappel, Chozen & Berniard, Lake Charles, LA, for Secondary Defendant/Appellant: Trinity Universal Insurance Co. of Kansas, Inc.

Gregory Paul Allen Marceaux, Marceaux Law Firm, L.L.C., Lake Charles, LA, for Plaintiff/Appellant: Eugene Bellard

Travis Louis Bourgeois, Degan, Blanchard & Nash, New Orleans, LA, for Secondary Defendant/Appellant: Trinity Universal Insurance Co. of Kansas, Inc.

Court composed of ULYSSES GENE THIBODEAUX, Chief Judge, SYLVIA R. COOKS, OSWALD A. DECUIR, MARC T. AMY, and ELIZABETH A. PICKETT, Judges.

PICKETT, Judge.

The plaintiff/appellant, Eugene Bellard (Bellard), sustained personal injuries in an on-the-job traffic accident, when he was rear-ended by an underinsured motorist, Katie Gayle (Gayle). After settling with Gayle and her liability insurer, American Central Insurance Company, Bellard proceed to trial where he sought damages from his employer's uninsured motorist (UM) carrier, Trinity Universal Insurance Company of Kansas, Inc. (Trinity). On appeal, Bellard seeks a reversal of the trial court's grant of Trinity's motion for summary judgment, which provided Trinity with a credit for the workers' compensation medical benefits that had been paid by Bellard's employer on his behalf. Bellard also seeks a increase in the trial court's awards for general damages and loss of *109 future earning capacity, arguing that the trial court committed legal error in setting those awards because it improperly disregarded uncontested, expert witness testimony regarding the causation of his injuries and his resulting disability. Trinity, likewise, seeks a reversal of the loss of earning capacity award. It asserts an entitlement to the reduction of that award based on its claim that the trial court erred in failing to grant it a credit in the amount of the indemnity disability benefits already paid to Bellard by his employer's workers' compensation insurer.

We conclude that the UM insurer, Trinity, is not entitled to a credit for medical costs paid by the workers' compensation insurer, nor is Trinity entitled to a credit for the indemnity disability benefits paid by the workers' compensation insurer, since these insurers are not solidary obligors, and the collateral source doctrine prohibits Trinity from receiving a credit for these payments. Further, as to the issues of causation and injuries, we find no legal error as we, as did the trial court, find that there was evidence contesting the causation of his injuries and his resulting disability. We affirm the awards of general damages and loss of future earning capacity. We also affirm the award of medical costs in the amount of $334,040.60.

ISSUES

1. Is an uninsured motorist carrier entitled to a credit for medical and disability wage benefits paid to, or on behalf of, an injured worker by a workers' compensation carrier?
2. Did the trial court improperly disregard uncontested, expert medical testimony when determining the cause of the plaintiff's injuries and his subsequent disability status?
3. Did the trial court abuse its discretion in setting the general damage and future loss of earning capacity awards?

FACTS

On August 26, 2002, Bellard was rear-ended by Katie Gayle. He was also involved in two subsequent accidents—one on November 24, 2002, and the other in November or December 2003. At the time of the accident at issue, Bellard was a delivery driver for a building materials retailer, Builders Sav-Mor, Inc. (Sav-Mor), and was on-duty and driving his employer's Ford F-250 pickup truck. Bellard was stopped, yielding to oncoming traffic and, upon beginning a left-turn, was struck as Gayle's car hydroplaned into the rear of the truck. Gayle estimated that she was driving at a rate of speed between twenty and twenty-five miles per hour, and Bellard estimated that his rate of speed was approximately ten or fifteen miles per hour at the time of impact.

Gayle's car struck the "Tommygate" (a brand name of a heavy-duty-steel mechanized tailgate that can be lowered and raised for loading and unloading cargo) on the rear of the truck and came to rest under the tailgate. According to Gayle, the lift gate fell onto the hood of her car, her front and passenger side windows shattered, and her air bag deployed. Her car was not driveable and was towed from the scene; it was ultimately rendered a total loss. The truck driven by Bellard was never incapacitated by the accident, suffered almost imperceptible damage to the lift gate, and has remained in use by Sav-Mor without the necessity of any repairs.

Gayle suffered minor injuries as a result of the accident—bruising on her knees and bruises caused by her seat belt and air bag. Bellard refused medical treatment twice on the day of the accident—at the scene and upon return to his work site. *110 He continued working that day and for approximately two weeks thereafter until September 3, 2002, when he sought treatment for generalized pain in his body at a local emergency room. He later testified that he had begun to experience pain even earlier—about five days after the accident. Over the next three years, Bellard received physical therapy, chiropractic, and orthopedic treatment for the injuries allegedly sustained in the August accident.

After a course of conservative treatment over the year and a half following the crash, Bellard underwent the first of a series of four surgeries to repair lumbar and cervical spine injuries and bilateral carpal tunnel syndrome. Specifically, in March, 2004, he underwent lumbar spine surgery, which included a facetectomy, diskectomy, and fusion at L5-S1. In early 2005, he underwent bilateral carpal tunnel surgeries, and later that year underwent cervical spine surgery, consisting of a three-level diskectomy and fusion at C3-C4, C4-C5, and C5-C6. The lumbar surgery and carpal tunnel release surgeries were deemed successful. As of the commencement of trial, Bellard remained under the care of his treating orthopedist and surgeon, Dr. Dale Bernauer, as he was still recovering from the September 2005, cervical spine surgery.

Bellard's pre-accident medical condition was an issue at trial, as was the fact that he was involved in two additional accidents after the August 2002, rear-end collision. Regarding his pre-existing medical condition, the record shows that he had been diagnosed in 1998 with a small disc bulge at L5-S1, and that he had received successful, conservative treatment for lower back pain caused by that condition until 1999. It is likewise undisputed that Bellard sought treatment for low back pain prior to the August accident at W.O. Moss Regional Hospital in October 2000, January 2001, and January 2002. However, Bellard testified that he sought those treatments for what he believed was an apparent strained muscle that had been causing him pain intermittently.

Notwithstanding these indications of a pre-existing lumbar spine injury, his medical history conversely showed that upon being hired by Sav-Mor in February 2002, he underwent a physical examination which included a neurological examination and an examination of the neck, all resulting in normal findings. Also, his employer's representative testified at trial that during Bellard's ten-month tenure there, as a warehouse delivery driver, he was able to perform the physically demanding job without any apparent difficulty.

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Cite This Page — Counsel Stack

Bluebook (online)
958 So. 2d 107, 2007 WL 1549098, Counsel Stack Legal Research, https://law.counselstack.com/opinion/bellard-v-american-cent-ins-co-lactapp-2007.