Dowling v. Mutual Life Insurance Co. of New York

168 So. 2d 107
CourtLouisiana Court of Appeal
DecidedJanuary 18, 1965
Docket1220
StatusPublished
Cited by31 cases

This text of 168 So. 2d 107 (Dowling v. Mutual Life Insurance Co. of New York) 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
Dowling v. Mutual Life Insurance Co. of New York, 168 So. 2d 107 (La. Ct. App. 1965).

Opinion

168 So.2d 107 (1964)

John P. DOWLING
v.
The MUTUAL LIFE INSURANCE COMPANY OF NEW YORK, United States Fidelity and Guaranty Company, Aetna Casualty and Surety Company.

No. 1220.

Court of Appeal of Louisiana, Fourth Circuit.

October 13, 1964.
Rehearing Denied November 2, 1964.
Writ Refused January 18, 1965.

*108 Donald V. Organ, New Orleans, for plaintiff-appellant.

Jones, Walker, Waechter, Poitevent, Carrere & Denegre and Ernest A. Carrere, Jr., New Orleans, for Mut. Life Ins. Co. of New York, defendant-appellee.

Adams & Reese, Richard C. Baldwin and Sam A. LeBlanc, III, New Orleans, for Aetna Cas. & Surety Co., defendant-appellee.

Before YARRUT, SAMUEL and BARNETTE, JJ.

CHRIS T. BARNETTE, Judge pro tem.

This is a suit in tort for damages on account of the alleged negligence or malpractice of plaintiff's physician in his alleged failure to inform him of the results of an *109 X-ray examination and the warning of the radiologist that there was an abnormal condition in his lung which might be indicative of tuberculosis requiring further radiological examination for more accurate diagnosis.

It is alleged that because of the failure of the physician to so inform him and to instruct him to have further X-ray examination within the time recommended, a tubercular infection, which did in fact exist, was not detected until some 19 months later by which time it had progressed in activity to such extent that a long period of hospitalization and major surgery became necessary. Plaintiff's case is based upon the contention that a timely discovery of the tuberculosis would have made possible early treatment, thus avoiding the necessity for prolonged hospitalization and the ultimate lobectomy.

Of the four original defendants, one, John B. Keenan, was dismissed on plaintiff's motion before trial; another, Mutual Life Insurance Company of New York, was dismissed on exception of no cause or right of action sustained before trial. The case went to trial before a jury against Aetna Casualty and Surety Company, the insurer of Dr. Alfred P. Longacre, plaintiff's physician, and United States Fidelity and Guaranty Company, insurer of Dr. J. N. Ane, radiologist. After trial but before submission to the jury, the defendant United States Fidelity and Guaranty Company was dismissed on voluntary motion of plaintiff, and the case went to the jury only as against the Aetna.

There was a verdict for defendant, rejecting plaintiff's demands. He has appealed from that judgment and the judgment of the court maintaining the exception of no cause or right of action filed on behalf of Mutual.

The plaintiff, John P. Dowling, was the private patient of Dr. Alfred P. Longacre in the years 1951, 1952 and 1953, during which time he was treated for minor illnesses, such as colds, bronchial infections, etc. In the course of these treatments Dr. Longacre referred him to Dr. J. N. Ane for X-ray examinations, November 28, 1951, and October 15, 1952, and on each occasion the report was essentially negative. On April 2, 1957, Dowling returned to Dr. Longacre with complaint of chest pains. After performing a physical examination, in an abundance of precaution, Dr. Longacre directed him to a specialist for an electrocardiogram to rule out heart involvement. This EKG was reported negative. He also referred him to Dr. Ane for chest X-ray. The next day, April 3, Dr. Ane delivered by messenger, as was his custom, the X-ray plate and a report to Dr. Longacre, containing among other things the following:

"There is a small patchy area of infiltration and fibrosis in the left anterior first interspace. This is suggestive of a very slight old tuberculous infiltration involving the left upper lobe. Re-ray and comparison in about three or four weeks would be advisable to eliminate an acute non-specific pneumonitis."

It is contended by Dowling, but disputed by Dr. Longacre, that this information, this warning, this recommendation for further X-ray examination in three or four weeks, was not communicated to him. On the contrary, Dowling alleged that Dr. Longacre reported to him a few days later in a telephone conversation that the reports were negative and that his discomfort was caused by an accumulation of gas, a relatively minor and temporary condition. This disputed contention presents a question of fact of great importance to the issues involved. It will be discussed in more detail later.

On May 27, 1957, Dowling returned to Dr. Longacre, not as a private patient, but for a physical examination in connection with an application for life insurance with Mutual Life Insurance Company of New York. Sometime between April 2 and May 27, Mr. Dowling was solicited for insurance *110 by John B. Keenan, agent of Mutual, and since another child had been born to him and his wife in May, he was interested in further insurance. He agreed to take a policy for $25,000.00. It is not material whether Dr. Longacre was chosen by Mr. Dowling from among several doctors suggested or selected by the insurance company as its examining physician, but the fact of his having made the examination on May 27 is highly significant in the light of later developments.

Dr. Longacre, as the examining physician for Mutual, did not require an X-ray, nor does it appear that any reference was made to the one made seven weeks earlier. There is nothing in the record to indicate that there was any discussion between him and Dowling at that time of the April 3 report of Dr. Ane. The examination was routine and a report was made to Mutual on forms provided by it, which among other things contained the following significant questions and answers:

"33. Is there any evidence or history of past or present disease, injury or functional disturbance of

* * * * * * * *

"D. Lungs, Bronchi, Larynx?

"[Answer] No.

* * * * * * * *

"38. Do you know anything in connection with Insured's physical condition, family history or past health not already recorded which would affect his (her) insurability?

"[Answer] No."

In due course Mutual wrote a life insurance policy on Mr. Dowling for $25,000.00, and on the basis of his application and the examination made, offered him an additional $20,000.00 which he declined to take.

In August, 1957, Mr. Dowling went to Dr. Jerome G. Block for examination and treatment occasioned by chest pains. Mr. Dowling was fearful of a cardiac condition or lung cancer and sought the services of Dr. Block, a specialist in internal medicine and cardiology. Dr. Block's examination included a fluoroscopy which revealed nothing of great significance. He continued under treatment of Dr. Block until the latter moved to Miami in October, 1958, leaving his New Orleans patients in the hands of other doctors, including Dr. Mignon Jumel, to whom Mr. Dowling was referred. His clinical case record on Mr. Dowling was turned over to Dr. Jumel. Her first entry in the record is November 7, 1958, when she was called by Mr. Dowling on the day of his father's funeral, complaining of fainting spells and fearful of heart trouble. Examination revealed nothing alarming. The electrocardiogram was negative.

In the latter part of November, 1958, Mr. Dowling again contacted Dr. Jumel for examination following an incident in which he was fearful of having swallowed a splinter of wood. An X-ray was suggested, to which Dowling readily submitted. The next day, November 20, the X-ray was made by Dr. Ane, and on November 21, he submitted his report to Dr.

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Bluebook (online)
168 So. 2d 107, Counsel Stack Legal Research, https://law.counselstack.com/opinion/dowling-v-mutual-life-insurance-co-of-new-york-lactapp-1965.