Bourgeois v. State Farm Mut. Auto. Ins. Co.

562 So. 2d 1177, 1990 La. App. LEXIS 1457, 1990 WL 71743
CourtLouisiana Court of Appeal
DecidedMay 31, 1990
Docket89-CA-1631
StatusPublished
Cited by16 cases

This text of 562 So. 2d 1177 (Bourgeois v. State Farm Mut. Auto. 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
Bourgeois v. State Farm Mut. Auto. Ins. Co., 562 So. 2d 1177, 1990 La. App. LEXIS 1457, 1990 WL 71743 (La. Ct. App. 1990).

Opinion

562 So.2d 1177 (1990)

Edward BOURGEOIS and Alfred Smith
v.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY.

No. 89-CA-1631.

Court of Appeal of Louisiana, Fourth Circuit.

May 31, 1990.

*1178 Christopher J. Bruno, Robert J. Bruno, Bruno and Bruno, New Orleans, for plaintiffs/appellants.

Donna R. Moliere, Sessions, Fishman, Boisfontaine, Nathan, Winn, Butler and Barkley, New Orleans, for defendant/appellee.

Before CIACCIO, LOBRANO, WILLIAMS, ARMSTRONG and PLOTKIN, JJ.

PLOTKIN, Judge.

Plaintiffs, Edward Bourgeois and Alfred Smith, appeal a trial court judgment dismissing their action against defendant, State Farm Mutual Automobile Insurance Company. We reverse and award exemplary damages of $2,500, plus interest and costs, to each plaintiff.

Facts

Defendant State Farm provided automobile insurance coverage to Joycelynn Gottfried. On August 22, 1988, Ms. Gottfried lost control of her vehicle and collided with two unoccupied, parked vehicles owned by plaintiffs Smith and Bourgeois. Afterwards, Ms. Gottfried was arrested for driving while intoxicated, charges to which she pled guilty. Her blood alcohol level registered.227. As a result of the accident, State Farm paid plaintiffs' property damage.

Subsequently, plaintiffs filed suit to recover exemplary damages under the provisions of La.C.C. art. 2315.4, which provides as follows:

In addition to general and special damages, exemplary damages may be awarded upon proof that the injuries on which the action is based were caused by a wanton or reckless disregard for the rights and safety of others by a defendant whose intoxication while operating a motor vehicle was a cause in fact of the resulting injuries.

State Farm did not contest the application of the insurance policy to exemplary damages, *1179 only whether exemplary damages applied where there was only property damages and no personal injury and whether all the elements required for recovery under the statute were present.

The matter was submitted to the trial court on briefs, in lieu of a bench trial. In a judgment rendered June 2, 1989, the trial court found that La.C.C. art. 2315.4 was inapplicable to a situation involving only property damage. Furthermore, the trial court found that even if article 2315.4 was applicable, insufficient evidence that Ms. Gottfried's conduct constituted "wanton or reckless disregard for the safety of others," as required by the statute, had been presented. Plaintiffs appealed.

Applicability of La.C.C. art. 2315.4 to property damage

Although this is a matter of first impression for this court, other Louisiana courts have consistently held that article 2315.4 "has a dual purpose, to penalize (and therefore deter) the drunk driver, as well as to provide damages for the victim of such driver." Sharp v. Daigre, 545 So.2d 1063, 1064-65 (La.App. 1st Cir.1989), aff'd, 555 So.2d 1361 (La.1990); Morvant v. United States Fidelity & Guaranty Co., 538 So.2d 1107, 1109 (La.App. 5th Cir.), writ denied, 541 So.2d 875 (La.1989). Likewise, as explained in Creech v. Aetna Casualty & Surety Co., 516 So.2d 1168, 1173 (La. App.2d Cir.1987), writ denied, 519 So.2d 128 (La.1988) "[a]lthough the purpose of punitive damages is to punish and deter, the injured party receives the benefit of such payment and from the plaintiff's standpoint, punitive damages are additional compensation for the egregious conduct inflicted upon him." Additionally, the Louisiana Supreme Court recently determined that allowing insurance coverage for exemplary damages is not against public policy. Sharp v. Daigre, 555 So.2d 1361, 1363-64 (La.1990).

Typically claims for exemplary damages involve bodily injury, but at least one court has awarded exemplary damages for property damages without an accompanying personal injury claim. See Falgout v. Wilson, 531 So.2d 492 (La.App. 1st Cir.), writ denied, 532 So.2d 154 (La.1988). However, the court which decided Falgout was concerned primarily with whether insurance coverage was available for the exemplary damage award. Nonetheless, the First Circuit's intention to allow exemplary damages for property damage without accompanying bodily injury was reaffirmed, in dicta, in Sharp, supra, when the court explained that "a liability policy covers an award for exemplary damages under La. C.C. art. 2315.4 even when personal injury damages were not sought." 545 So.2d at 1067.

In the instant case, the trial judge distinguished Falgout, supra, in his reasons for judgment, which point out that "the plaintiff in Falgout was inside his vehicle at the time it was struck by the intoxicated defendant's vehicle ... [and] there was the added aspect of apprehension which was sufficient to provoke physical injuries as contemplated by C.C. art. 2315.4." The trial court pointed out that the plaintiffs' vehicles in the instant case were unoccupied; therefore, the plaintiffs suffered no apprehension of physical injury.

The defendant in the instant case contends that the word "injuries" refers only to bodily injury, especially since the other code articles on tort liability utilize the broad term "damages." Thus, defendant asserts, the legislature must have intended to narrow the scope of exemplary damages. However, the word "injury" is defined broadly in Black's Law Dictionary (5th ed. 1979) pp. 706-07 as follows: "Any wrong or damage done to another, either in his person, rights, reputation, or property. The invasion of any legally protected interest of another." Other types of injury, such as "accidental injury," "civil injury," and "bodily injury," are defined separately.

Because the purpose of article 2315.4 is to deter drunk driving, and the definition of the word "injuries," which is used in the article, traditionally includes property damage, the deterrent effect of article 2315.4 is best served by including property damage without accompanying bodily injury within the ambit of its coverage. To allow otherwise would lessen the *1180 detrimental impact of the article. The trial court's judgment to the contrary is reversed.

Requirements under La.C.C. art. 2315.4

Recovery under article 2315.4 requires proof of the following elements:

(1) The defendant was intoxicated or had "a sufficient quantity of intoxicants to make him lose normal control of his mental and physical facilities." Levet v. Calais & Sons, Inc., 514 So.2d 153, 159 (La.App. 5th Cir.1987),
(2) The "drinking was a cause-in-fact of [the] accident." Myres v. Nunsett, 511 So.2d 1287, 1289 (La.App. 2d Cir. 1987), and
(3) The "injuries" were caused by a "wanton or reckless disregard for the rights and safety of others." La.C.C. art. 2315.4.

In the instant case, the parties stipulated that Ms. Gottfried's blood alcohol level immediately after the accident was .227. Based on the facts of the case, the trial judge apparently found that the first two elements were present in the instant case.

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Bluebook (online)
562 So. 2d 1177, 1990 La. App. LEXIS 1457, 1990 WL 71743, Counsel Stack Legal Research, https://law.counselstack.com/opinion/bourgeois-v-state-farm-mut-auto-ins-co-lactapp-1990.