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

782 So. 2d 1029, 2001 WL 55914
CourtLouisiana Court of Appeal
DecidedJanuary 23, 2001
Docket00-CA-1509
StatusPublished
Cited by8 cases

This text of 782 So. 2d 1029 (Hooper 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
Hooper v. State Farm Mut. Auto. Ins. Co., 782 So. 2d 1029, 2001 WL 55914 (La. Ct. App. 2001).

Opinion

782 So.2d 1029 (2001)

Jennifer HOOPER
v.
STATE FARM MUTUAL AUTOMOBILE INSURANCE CO., et al., Pablo Rosales, Susan M. Napolitano d/b/a Trauth Insurance Agency, Kenny's Key West, Inc. and Kenneth J. Vincent.

No. 00-CA-1509.

Court of Appeal of Louisiana, Fifth Circuit.

January 23, 2001.

*1030 Ivan A. Orihuela, Irvin & Orihuela, L.L.C., New Orleans, LA, for defendant-appellant, Pablo Rosales.

Christopher E. Lawler, W. Richmond Beevers, Donovan & Lawler, Metairie, LA, for defendant-appellee, State Farm Mutual Automobile Insurance Co., et al.

Court composed of Judges DUFRESNE, JAMES C. GULOTTA, Pro Tempore and WALTER ROTHSCHILD, Pro Tempore.

WALTER ROTHSCHILD, Judge Pro Tem.

Plaintiff, Jennifer Hooper, filed this lawsuit on March 31, 1997, alleging that she was struck in the face by the defendant, Pablo Rosales (Rosales), causing her injury. At the time of the incident complained of by the plaintiff, Rosales was insured by Allstate Insurance Company (Allstate) under a homeowner's insurance policy and Allstate was also named as a defendant in the case. Allstate filed a motion for summary judgment claiming that their policy did not provide coverage to Rosales because the policy excludes coverage for intentional and/or criminal acts. The trial court granted Allstate's motion and dismissed all claims against them, with prejudice. Rosales appeals this judgment of the trial court. For the reasons which follow, we affirm.

FACTS

On May 13, 1996, Rosales and his girlfriend were patrons at a nightclub, known as Kenny's Key West. The plaintiff, Jennifer Hooper (Hooper), was also a patron of the nightclub at that time. In his deposition, Rosales testified that he saw Hooper bump into his girlfriend and an argument began. He then entered the dispute by striking Hooper in the face with his fist. Hooper did not attempt to strike Rosales before he struck her. Rosales testified that he struck Hooper in an effort to protect his girlfriend who had recently had a baby and was unable to defend herself. Rosales used no other method of restraint before striking Hooper.

*1031 After striking Hooper, Rosales left the nightclub without his girlfriend to avoid arrest. He later returned and was arrested. Criminal charges were brought against Rosales and he pled guilty to the simple battery of Hooper, a violation of LSA-R.S. 14:35, and he was sentenced by the court. Although Rosales suggests in his brief and deposition that he was protecting his girlfriend by striking Hooper and therefore, the assault upon Hooper was justified, he abandoned any self-defense or defense of others justification at oral argument. Rosales contends that when he struck Hooper, he did not have the specific intent to cause the injuries that ensued and, therefore, his actions were not excluded under the intentional/criminal acts exclusion in the Allstate policy. He asserts that his intent is a material issue of fact which can only be assessed by the trier of fact and that summary judgment is inappropriate in this case.

ASSIGNMENTS OF ERROR

Rosales assigns the following as error:

1. The District Court erred when it granted Allstate's Motion for Summary Judgment at a time when genuine issues of material fact remained as to whether the relevant Allstate home insurance policy provided coverage for the alleged incident and alleged injuries at issue.
2. The District Court erred when it granted Allstate's Motion for Summary Judgment when a trial on the merits is warranted in this matter because genuine issues of material fact remain.
3. The District Court erred when it granted Allstate's Motion for Summary Judgment even though Allstate had failed to meet its burden under summary judgment law.
4. The District Court erred when it granted Allstate's Motion for Summary Judgment even though the criminal acts exclusions relied upon by Allstate to deny coverage is ambiguous.
5. The District Court erred when it granted Allstate's Motion for Summary Judgment even though genuine issues of material fact remain as to whether the relevant Allstate home insurance policy provides coverage to defendant, Pablo Rosales, for the alleged incident and alleged injuries at issue.
6. The District Court erred when it considered inadmissible evidence in granting Allstate's Motion for Summary Judgment.

LAW AND DISCUSSION

In Louisiana, summary judgment is now favored and it shall be used to secure the just, speedy, and inexpensive determination of all actions, except those specifically excluded in LSA-C.C.P. Art. 969. LSA-C.C.P. Art. 966(A)(2). A summary judgment shall be rendered if the pleadings, depositions, interrogatory responses, and admissions, together with any affidavits, show that there is no genuine issue of material fact and that the mover is entitled to judgment as a matter of law. LSA-C.C.P. Art. 966(B). Material facts are those that have the potential to insure or preclude recovery, affect a litigant's ultimate success, or determine the outcome of a legal dispute. Rambo v. Walker, 96-2538 (La.App. 1 Cir. 11/7/97), 704 So.2d 30, 32. Appellate courts review summary judgments de novo applying the same criteria as the trial court to determine whether summary judgment is appropriate. Herndon and Associates v. Gettys, et al., 95-206 (La.App. 5 Cir. 7/25/95), 659 So.2d *1032 842. Accordingly, we undertake a de novo review of this appeal.

The homeowner's policy provided to Rosales by Allstate contains the following provision:

"Losses We Do Not Cover Under Coverage X:
1. We do not cover any bodily injury or property damage intended by, or which may reasonably be expected to result from the intensional or criminal acts or omissions of, any insured person. This exclusion applies even if:
a) such insured person lacks the mental capacity to govern his or her own conduct;
b) such bodily injury or property damage is of a different kind or degree than intended or reasonably expected; or
c) such bodily injury or property damage is sustained by a different person than intended or reasonably expected.
This exclusion applies regardless of whether or not such insured person is actually charged with, or convicted of a crime."

Where the language in an insurance policy is clear and express, the policy and all of its provisions shall be enforced between the parties because the policy is the law between the parties. Schmieder v. State Farm Fire & Casualty Company, 339 So.2d 390 (La.App. 1 Cir.1976).

ASSIGNMENTS OF ERROR NUMBERS ONE, TWO AND FIVE

Rosales contends that the trial court erred when it granted Allstate's motion for summary judgment because genuine issues of material fact remain. As stated earlier, facts are material if they have the potential to insure or preclude recovery, affect a litigant's ultimate success, or determine the outcome of a legal dispute. Rambo v. Walker, supra at 32.

Rosales asserts that he did not intend to cause the injuries that Hooper suffered. Intent is difficult to determine and the trier of fact must look to all of the surrounding circumstances to determine a person's intent at the time of the act in question.

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Bluebook (online)
782 So. 2d 1029, 2001 WL 55914, Counsel Stack Legal Research, https://law.counselstack.com/opinion/hooper-v-state-farm-mut-auto-ins-co-lactapp-2001.