Estate of Matthew A. Gadd, by Nancy Gadd v. Jasiah A. Tanner

CourtCourt of Appeals of Kentucky
DecidedJune 12, 2026
Docket2025-CA-0822
StatusUnpublished

This text of Estate of Matthew A. Gadd, by Nancy Gadd v. Jasiah A. Tanner (Estate of Matthew A. Gadd, by Nancy Gadd v. Jasiah A. Tanner) is published on Counsel Stack Legal Research, covering Court of Appeals of Kentucky primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Estate of Matthew A. Gadd, by Nancy Gadd v. Jasiah A. Tanner, (Ky. Ct. App. 2026).

Opinion

RENDERED: JUNE 12, 2026; 10:00 A.M. NOT TO BE PUBLISHED

Commonwealth of Kentucky Court of Appeals

NO. 2025-CA-0822-MR

ESTATE OF MATTHEW A. GADD, BY NANCY GADD, EXECUTRIX APPELLANT

APPEAL FROM BOONE CIRCUIT COURT v. HONORABLE RICHARD A. BRUEGGEMANN, JUDGE ACTION NO. 21-CI-01202

JASIAH A. TANNER AND KENTUCKY FARM BUREAU MUTUAL INSURANCE COMPANY APPELLEES

OPINION AFFIRMING

** ** ** ** **

BEFORE: ECKERLE, A. JONES, AND L. JONES, JUDGES.

ECKERLE, JUDGE: This matter arose from an automobile accident between

Matthew A. Gadd (“Gadd”) and Appellee, Jasiah A. Tanner (“Tanner”). Although

Gadd originated the suit as Plaintiff, Appellant, the Estate of Matthew A. Gadd by

Nancy Gadd, Executrix (“the Estate”), substituted Gadd as the party-Plaintiff following his death due to an unrelated cancer. The Estate appeals from the Boone

Circuit Court’s Judgment on Directed Verdict issued on June 18, 2025, and the

Court’s Order on Motion for Costs dated August 4, 2025 (collectively, “Orders”).

The Estate, having failed to present a prima facie case for negligence, and Tanner,

being entitled to costs as the successful party, we affirm.

Factual and Procedural Background

Approximately five years ago, on May 26, 2021, Gadd and Tanner

were involved in an automobile accident at the intersection of Old Union Road and

Orleans Boulevard in Florence, Kentucky. Tanner, who was 16 years of age and

driving on a temporary learner’s permit, stopped at a stop sign before turning left

from Orleans Boulevard on to Old Union Road. Tanner’s mother, Sarah, was a

passenger. Gadd was traveling south on Old Union Road when his and Tanner’s

vehicles crashed. Apparently, police were called to the scene, and an officer issued

a Kentucky Uniform Police Traffic Collision report, dated May 26, 2021, which

was not addressed at trial (and would not generally have been admissible). No

airbags deployed; no party required medical treatment; and both parties drove

away from the incident.

On the following day, May 27, 2021, Gadd visited St. Elizabeth

Hospital’s emergency room (“ER”) for lumbar strain. After prescription pain

medication, iced treatment, and rest at home did not relieve his pain, on June 17,

-2- 2021, Gadd saw an orthopedist, who ordered an x-ray of his back and directed him

to follow-up with his practice, Beacon Orthopaedics and Sports Medicine

(“Beacon”). Although he waited one month for the scheduled appointment, Gadd

did return to the ER for continued back pain during that time.

On July 17, 2021, Gadd saw Dr. David Sower (“Sower”) at Beacon.

Relying almost exclusively on Gadd’s patient history and self-reported back and

leg pain symptoms, Sower diagnosed Gadd with a lumbar injury and radiculopathy

resulting from a herniated disc after the accident. Deposition (“Depo.”), Sower at

10. Sower treated Gadd with medication, therapeutic exercises, and an epidural

injection for pain. Depo., Sower at 7. On August 6, 2021, Gadd received an MRI,

which revealed lesions on his spine. Following this medical revelation, Gadd

underwent a bone scan, and on August 26, 2021, was diagnosed with metastatic

lung cancer that had spread to the bones in his back, hips, and femur. Tragically,

despite subsequent oncology treatment, radiation, and surgery, Gadd died on

December 31, 2021. His cause of death, confirmed by his widow at trial, was

stage-four lung cancer. Video Record (“VR”), 6/12/2025, at 1:40:30.

On August 6, 2021, only weeks prior to his diagnosis, Gadd filed his

negligence suit against Tanner and Appellee, Kentucky Farm Bureau Mutual

Insurance Company (“KFB”), where Tanner held a policy for underinsured

benefits (“UIB”). Trial Record (“TR”) at 1-5. Gadd alleged that he sustained

-3- damages that exceeded the policy limits, entitling him to statutory UIB and excess

damages exceeding the jurisdictional minimum. TR at 4. On May 3, 2022, the

Trial Court issued an order substituting the Estate as party-Plaintiff. TR at 22.

Discovery ensued, including depositions of Sower, Tanner, and Tanner’s expert

witnesses.1

On February 22, 2024, the Trial Court issued an Order bifurcating

Gadd’s underinsured motorist (“UIM”) claim against KFB from the trial, which

commenced on June 12, 2025. The Estate called the following witnesses: Nancy

Gadd, Executrix of the Estate and widow of Gadd; Martha Gadd, Gadd’s mother;

and Joe Lonnemann and Dennis Fabiani, Gadd’s brothers-in-law. By agreement of

the parties, the Estate also presented the video deposition of Sower and read into

the record the deposition testimony of Matt Andrews, Gadd’s employer. Gadd’s

widow testified that Gadd’s car, a 2011 Toyota Camry, was totaled after the

accident but did not produce an estimate of the damages or comparative value.

VR, 6/12/2025, at 12:35:50 and 1:23:00. She and the other listed family members

testified regarding Gadd’s level of activity prior to and after the accident and

described their observations of his pain. However, Gadd’s employer’s deposition

testimony, as well as his family’s testimony, confirmed that Gadd reported to work

1 Tanner did not call either of his two expert witnesses at trial, and he did not introduce their depositions. Similarly, Tanner’s response to interrogatories was not introduced at trial. Therefore, these records are not included in the TR on appeal.

-4- regularly with no loss of pay or medical leave between the date of the accident in

May until his cancer diagnosis in late August. Sower’s video deposition presented

his diagnosis of Gadd’s lumbar radiculopathy caused by a herniated disc and

subsequent treatment before Gadd’s cancer diagnosis. VR at 2:44-3:16.

After the presentation of Sower’s video deposition, the Trial Court

conducted a bench conference, during which it asked the Estate if it had any

additional witnesses and asked for a summary of Tanner’s anticipated witnesses.

VR at 3:16-3:19. Upon returning on the record, the Trial Court asked, “Plaintiff,

do you have any additional witnesses you wish to call?” VR at 3:19:50. Counsel

for the Estate stated, “I do not, your honor.” Id. With that response, the Trial

Court addressed the jury, stating the following: “That means plaintiff has rested its

case.” VR at 3:19:55. The Estate did not object or contradict the Trial Court’s

statement. The Trial Court released the jury for the day.

After the jury’s departure, Tanner moved for a directed verdict

pursuant to Kentucky Rule of Civil Procedure (“CR”) 50.01, arguing that the

Estate had failed to present a prima facie case of negligence. VR at 3:22:25-

3:24:20. Specifically, Tanner argued that, in the absence of evidence of duty or

breach, the Estate had failed to meet its burden of proof, and the Trial Court was

required to declare a directed verdict. Id. In response, the Estate communicated

that there may have been a misunderstanding, but that it should not be expected to

-5- “officially rest” until after Tanner and her mother had testified. VR at 3:24:20-37.

Further, while conceding that Tanner and her mother were its only “liability”

witnesses, the Estate contended that they were not under its control, and the Estate

had planned to obtain their testimony after the witnesses were called by Tanner.

VR at 3:25-3:29. Tanner responded that she did not bear the burden of proof and,

Free access — add to your briefcase to read the full text and ask questions with AI

Related

T & M JEWELRY, INC. v. Hicks Ex Rel. Hicks
189 S.W.3d 526 (Kentucky Supreme Court, 2006)
Meyers v. Chapman Printing Co., Inc.
840 S.W.2d 814 (Kentucky Supreme Court, 1992)
Davis v. Graviss
672 S.W.2d 928 (Kentucky Supreme Court, 1984)
Daniels v. CDB BELL, LLC
300 S.W.3d 204 (Court of Appeals of Kentucky, 2009)
Commonwealth v. English
993 S.W.2d 941 (Kentucky Supreme Court, 1999)
National Collegiate Athletic Ass'n v. Hornung
754 S.W.2d 855 (Kentucky Supreme Court, 1988)
Wyant v. SCM Corp.
692 S.W.2d 814 (Court of Appeals of Kentucky, 1985)
Pathways, Inc. v. Hammons
113 S.W.3d 85 (Kentucky Supreme Court, 2003)
Gibbs v. Wickersham
133 S.W.3d 494 (Court of Appeals of Kentucky, 2004)
Jenkins Ex Rel. Branum v. Best
250 S.W.3d 680 (Court of Appeals of Kentucky, 2007)
Mullins v. Commonwealth Life Insurance Co.
839 S.W.2d 245 (Kentucky Supreme Court, 1992)
Wiser Oil Company v. Conley
380 S.W.2d 217 (Court of Appeals of Kentucky (pre-1976), 1964)
Bierman v. Klapheke
967 S.W.2d 16 (Kentucky Supreme Court, 1998)
Harris v. Cozatt, Inc.
427 S.W.2d 574 (Court of Appeals of Kentucky (pre-1976), 1968)
James v. England
349 S.W.2d 359 (Court of Appeals of Kentucky (pre-1976), 1961)
Louisville & Nashville Railroad v. Jolly's Administratrix
23 S.W.2d 564 (Court of Appeals of Kentucky (pre-1976), 1930)
Kentucky Indiana Terminal R. Co. v. Cantrell
184 S.W.2d 111 (Court of Appeals of Kentucky (pre-1976), 1944)
Commonwealth, Department of Highways v. Ochsner
392 S.W.2d 446 (Court of Appeals of Kentucky, 1966)
Insko v. Cummins
423 S.W.2d 261 (Court of Appeals of Kentucky, 1968)
Logan v. Logan
432 S.W.2d 34 (Court of Appeals of Kentucky, 1968)

Cite This Page — Counsel Stack

Bluebook (online)
Estate of Matthew A. Gadd, by Nancy Gadd v. Jasiah A. Tanner, Counsel Stack Legal Research, https://law.counselstack.com/opinion/estate-of-matthew-a-gadd-by-nancy-gadd-v-jasiah-a-tanner-kyctapp-2026.