Blizzard v. Nationwide Mutual Fire Insurance Co.

756 S.W.2d 801, 1988 Tex. App. LEXIS 2293, 1988 WL 92668
CourtCourt of Appeals of Texas
DecidedAugust 3, 1988
Docket05-87-00297-CV
StatusPublished
Cited by110 cases

This text of 756 S.W.2d 801 (Blizzard v. Nationwide Mutual Fire Insurance Co.) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Blizzard v. Nationwide Mutual Fire Insurance Co., 756 S.W.2d 801, 1988 Tex. App. LEXIS 2293, 1988 WL 92668 (Tex. Ct. App. 1988).

Opinion

HECHT, Justice.

Appellant Linda K. Blizzard sued her insurer, appellee Nationwide Mutual Fire Insurance Company, to recover on the uninsured motorist and personal injury protection provisions of her automobile policy, and for violations of the Texas Insurance Code and Texas Deceptive Trade Practices- *803 Consumer Protection Act. 1 Nationwide counterclaimed, asserting that Blizzard’s DTPA claims were groundless and brought in bad faith or for purposes of harassment. After trial to a jury, the trial court rendered judgment denying all relief sought by both parties.

Blizzard and Nationwide both appeal. Blizzard complains that the jury’s failure to find more damages than they did is contrary to overwhelming evidence, and that the trial court erred in refusing to award her what damages and attorney fees the jury did find. Blizzard also complains that the issues of whether she brought her DTPA claims in bad faith and for purposes of harassment were improperly submitted to the jury, and that the evidence is factually insufficient to support the jury’s findings on those issues and on the amount of Nationwide’s attorney fees on appeal. Nationwide complains that the trial court erred in refusing to award it the attorney fees found by the jury. We affirm the judgment of the trial court.

I

Blizzard, a 40-year-old unmarried software engineer, claims to have been injured when the car she was driving was struck from behind by a car driven by an uninsured motorist. Nationwide has conceded that Blizzard was not at fault in the accident, that the motorist who was at fault was uninsured, and that Blizzard is covered by the uninsured motorist and personal injury protection provisions of her policy. For over a year following the accident Nationwide paid all Blizzard’s medical expenses, rental car expenses, and property damage. Nationwide then offered to pay Blizzard an additional $5,000 in full settlement of her claim, but Blizzard refused the offer and filed this action.

Blizzard sued Nationwide for damages under the uninsured motorist and personal injury protection provisions of her policy. Blizzard also alleged that Nationwide had violated the DTPA and section 16(a), article 21.21, of the Texas Insurance Code by misrepresenting the terms of the policy, acting unconscionably in handling her claim, and not attempting to settle in good faith. 2 Nationwide countered by alleging that Blizzard’s DTPA claims were groundless and brought in bad faith or for purposes of harassment.

The jury found that:

—$1,479 for past medical expenses would fairly and reasonably compensate Blizzard for her injuries resulting from the accident;
—Reasonable fees for legal services rendered by Blizzard’s attorney would be $14,116 in the trial court;
—Blizzard’s DTPA claims were brought in bad faith and for purposes of harassment; and
—Reasonable fees for legal services rendered by Nationwide’s attorney would be $13,970 in the trial court, $4,000 in the court of appeals, $2,400 for application for writ of error, and $1,600 if writ of error were granted.

The jury failed to find that:

—Blizzard should be compensated for past or future physical pain and mental anguish, past loss of earnings or future loss of earning capacity, past or future physical impairment, and future medical expenses;
—Nationwide did not attempt in good faith to effectuate a prompt, fair and equitable settlement of Blizzard’s claim when liability had become reasonably clear;
—Nationwide’s conduct in handling Blizzard’s claim was unconscionable within the meaning of the DTPA;
—Nationwide misrepresented to Blizzard the terms of its policy;
—Nationwide failed to pay Blizzard personal injury benefits to which she was entitled; and
—Any fee would be reasonable for legal services rendered by Blizzard’s attorney on appeal.

*804 Blizzard moved the trial court to disregard the jury’s findings that her DTPA claims had been brought in bad faith and for purposes of harassment, and to conclude as a matter of law that those claims were not groundless. Blizzard also moved for a new trial on the grounds that the jury’s failure to find additional damages was contrary to overwhelming evidence. The trial court rendered judgment denying Blizzard and Nationwide any relief. By motion for new trial and motion to modify judgment Nationwide urged the trial court to award it the attorney fees found by the jury. The trial court denied Nationwide’s motions.

II

A

In point of error two, Blizzard complains that the jury’s finding of only $1,479 damages for past medical expenses, and their failure to find additional damages, are so against the great weight and preponderance of the evidence as to be manifestly unjust. 3 To assess this complaint, we summarize the evidence pertaining to the nature and extent of injury Blizzard sustained in the accident. See Cain v. Bain, 709 S.W.2d 175, 176 (Tex.1986).

Blizzard’s car was struck from behind with such force that her seat broke, and she fell into the back seat. Nevertheless, she got out of the car, exchanged information with the other driver, and then went home. Blizzard testified that she did not seek medical attention until the next day, when she called a clinic to complain of soreness and discomfort in her neck. Blizzard testified that the clinic prescribed muscle relaxers and pain killers for her and recommended that she get more rest. No one from the clinic testified at trial.

Blizzard next sought medical care ten weeks later when, at the recommendation of her attorney, she went to Dr. Jewel Daughety. Dr. Daughety diagnosed Blizzard as suffering from a lumbar disc disorder, cervical sprain, and compression of the neurovascular bundle in her left arm, all resulting from the accident. Dr. Daughety felt it likely that Blizzard would continue to experience some discomfort and recommended that she take time off from work and undergo physical therapy and X-rays. Blizzard testified that she tried to follow Dr. Daughety’s advice, returning to him from time to time over the next three years. However, Blizzard testified that since the accident she has not had a single day free of pain, restricting although not prohibiting her physical activities, and causing her occasionally to miss work. Dr. Daughety testified that Blizzard’s reports of pain were consistent with his tests on her, and that she would continue to suffer in the future, probably requiring additional medical treatment and possibly surgery for her injuries, costing thousands of dollars.

Nationwide referred Blizzard to Dr. Robert E. Callewart. Dr. Callewart testified that he would have treated Blizzard with anti-inflammatory drugs, muscle relaxers and physical therapy for a short time after the accident, for a total medical expense of $500-600. Dr.

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Bluebook (online)
756 S.W.2d 801, 1988 Tex. App. LEXIS 2293, 1988 WL 92668, Counsel Stack Legal Research, https://law.counselstack.com/opinion/blizzard-v-nationwide-mutual-fire-insurance-co-texapp-1988.