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

Court of Appeals of Kentucky·Decided June 12, 2026·No. 2025-CA-0822·Unpublished

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NOT TO BE PUBLISHED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,

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

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.

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

“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, pursuant to the rules of trial procedure, the Estate should not have the ability to present affirmative evidence to the jury after it rested its case. VR at 3:24-3:25. The Trial Court communicated that it understood that the Estate had clearly rested its case and was inclined to grant the motion for directed verdict. However, the Court gave the Estate until the following day to research the law and present further arguments.

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

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