Harvin v. ANPAC Louisiana Ins. Co.

944 So. 2d 648, 2006 WL 2956498
CourtLouisiana Court of Appeal
DecidedOctober 17, 2006
Docket06-CA-204
StatusPublished
Cited by7 cases

This text of 944 So. 2d 648 (Harvin v. ANPAC Louisiana 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
Harvin v. ANPAC Louisiana Ins. Co., 944 So. 2d 648, 2006 WL 2956498 (La. Ct. App. 2006).

Opinion

944 So.2d 648 (2006)

Sandra M. HARVIN, Wife of/and Joseph B. Harvin
v.
ANPAC LOUISIANA INSURANCE COMPANY.

No. 06-CA-204.

Court of Appeal of Louisiana, Fifth Circuit.

October 17, 2006.

*650 Lawrence D. Wiedemann, Attorney at Law, New Orleans, Louisiana, for Plaintiff/Appellee.

Steven B. Witman, Valerie Theng Matherne, Attorneys at Law, Metairie, Louisiana, for Defendant/Appellant.

Panel composed of Judges THOMAS F. DALEY, MARION F. EDWARDS, and FREDERICKA HOMBERG WICKER.

FREDERICKA HOMBERG WICKER, Judge.

This is a personal injury suit arising from a motor vehicle accident. Defendant, ANPAC Louisiana Insurance Company, appeals a judgment based on a jury verdict, as well as the denial of its motion for judgment not withstanding the verdict ("JNOV") and the grant of plaintiff's motion for JNOV. Plaintiff, Sandra M. Harvin, answered the appeal.

Sandra M. Harvin, wife of/and Joseph B. Harvin[1], filed suit for damages against defendant, their uninsured/underinsured motorist ("UM") carrier, alleging that on or about May 3, 2002 Sandra M. Harvin's ("Mrs. Harvin") vehicle was struck in the rear by another vehicle operated by Maggie L. Anderson ("Ms. Anderson"). Ms. Anderson's automobile insurer, Geico, subsequently paid the Harvins the policy's liability limit of $10,000.00. Defendant paid them $10,541.52 in payment of past medical expenses incurred by Mrs. Harvin and tendered $23,300.00 in settlement of all of their claims under their primary and umbrella insurance policies with defendant. The Harvins alleged in their petition that their damages far exceed the liability limits of Ms. Anderson's insurer and the tender made by defendant.

At the conclusion of evidence in the trial of this matter, plaintiff moved for a directed verdict on liability and the trial judge granted the motion. Therefore, the only questions before the jury pertained to the damages sustained by Mrs. Harvin. On March 24, 2005, the jury found that Mrs. Harvin had proven by a preponderance of the evidence that she sustained damages that were proximately caused by the May 3, 2002 accident and awarded the following damages:

    (a)  General damages (pain
         and suffering and mental
         anguish, past, present
         and future, and past and
         future loss of ability to
         enjoy life and pursue
         happiness)                      $    -0-
    (b)  Past Medical expenses           $  4,000.00 (epidurals)
    (c)  Future medical expenses,
         if any                          $125,000.00
    (d)  past and future loss of
         income                          $    -0-
    (e)  past and future loss of
         physical function               $    -0-
         TOTAL                           $129,000.00

*651 The jury further found that the defendant was not arbitrary, capricious, and without probable cause in failing to properly handle the Harvin's claim. The trial judge subsequently adopted the jury verdict in a May 19, 2005 judgment.

Plaintiff filed a motion for JNOV, or, in the alternative a motion for a new trial[2], seeking an award of general damages. Defendant also filed a motion for JNOV seeking to set aside the awards for past and future medical expenses. A hearing on both motions was held on August 3, 2005. In a judgment rendered on August 9, 2005, the trial judge, without written reasons, denied defendant's motion for JNOV and granted plaintiff's, finding that Mrs. Harvin is entitled to $150,000.00 in general damages. Defendant filed a suspensive appeal of the May 19, 2005 and August 9, 2005 judgments and plaintiff answered the appeal urging that the general damage award was inadequate.

The following evidence was presented at trial. Plaintiff, Sandra Harvin, testified that on the morning of May 3, 2002, five to ten seconds after entering Interstate 10 at the Bonnabel Boulevard ramp and merging into the right lane, she was rear ended. The "very strong impact" knocked her car forward approximately one car length and lifted her up out of her seat. She stated that she was thrust forward and then pulled back by her seatbelt, hitting her head on the steering wheel and then the back of her head against the seatbelt. Mrs. Harvin testified that she subsequently experienced headaches at work that day; and during the next few days she developed pain in the back of her neck and between her shoulder blades, as well as low back pain. Her back pain started at the right hip and radiated down her leg to her foot. She explained that the pain was "like shocks, pins and needles." Sometimes she had numbness in her leg and at other times sharp pains traveled down her leg.

Mrs. Harvin testified that prior to the accident at issue, she would occasionally experience brief back pain, but only after performing various chores in and around the house, such as mopping, gardening, and cleaning carpets. She admitted that she was diagnosed with scoliosis at age eleven by an orthopedic surgeon. However, she stated that she never had any problems with her back related to the scoliosis. She also admitted that she visited a chiropractor about twenty years ago, but could not recall the reason for the visit.

Mrs. Harvin testified that she would go on to see a series of doctors following the accident. Approximately three to four days after the accident Mrs. Harvin visited Stewart Altman, M.D. for treatment of her neck and back. She received physical therapy from Dr. Altman for a period of two to three months. In addition to Dr. Altman, she also began seeing a chiropractor, Dr. Robert Lizano. Under Dr. Altman's treatment, her neck pain eventually went away. Initially, Dr. Lizano's treatment for her back helped a great deal. However, over a period of time, her condition worsened, prompting Dr. Lizano to suggest that she see an orthopedist and have an MRI performed. Dr. Hamsa, an orthopedic surgeon, prescribed anti-inflammatories, pain medication, and muscle relaxants. Mrs. Harvin stated she did not take the pain medication every day because it made her head "feel funny" and interfered with work. The treatments recommended by Dr. Hamsa, i.e., facet blocks in her lumbar spine and a series of epidural *652 injections, provided only temporary relief. Eventually, with no improvement in her back or leg, Dr. Hamsa suggested that she see a neurosurgeon, Dr. Stefan Pribil. After reviewing her CAT Scan results, Dr. Pribil recommended a three-level fusion with BAK cages. Mrs. Harvin testified that she did not have the surgery because it is a "real severe" and "dangerous" surgery and it scares her.

On August 12, 2003, Mrs. Harvin visited John Cazale, M.D., an orthopedic surgeon, for an evaluation, at defendant's request. She testified that Dr. Cazale recommended a drug called Neurontin, which proved ineffective. Subsequent to the above recommendations and treatments, in September of 2004, she was involved in a motor vehicle accident in Gulfport, Mississippi while on her way to Copa Casino. According to Mrs. Harvin she was not injured.

Mrs. Harvin further stated that her condition has worsened, with periods during which the pain is so severe that she can barely walk. She testified that she now believes that she will have to have the three-level fusion with BAK cages surgery. The record includes estimates for the cost of the surgery, with the total ranging from $123,400.00 to $130,472.00.

In July of 2003 the Harvins decided to move from Metairie to Slidell. In January of 2004, Mrs. Harvin resigned, effective March 31, 2004, from the law firm she had been employed by for fifteen years as a legal secretary. The record includes Mrs.

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Bluebook (online)
944 So. 2d 648, 2006 WL 2956498, Counsel Stack Legal Research, https://law.counselstack.com/opinion/harvin-v-anpac-louisiana-ins-co-lactapp-2006.