Howze v. Commercial Union Insurance Companies

506 So. 2d 847, 1987 La. App. LEXIS 9337
CourtLouisiana Court of Appeal
DecidedApril 14, 1987
DocketNo. 85 CA 1507
StatusPublished
Cited by2 cases

This text of 506 So. 2d 847 (Howze v. Commercial Union Insurance Companies) 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
Howze v. Commercial Union Insurance Companies, 506 So. 2d 847, 1987 La. App. LEXIS 9337 (La. Ct. App. 1987).

Opinion

SAVOIE, Judge.

This is a tort action brought by Elliott Danny Howze (plaintiff) for personal injuries sustained from a gunshot wound. The trial judge rendered judgment in favor of plaintiff, awarding $284,068.38 in damages. Defendant, Commercial Union Insurance Companies, has appealed. We reverse.

This suit arises out of an alleged accidental shooting which occurred on July 6,1983, in Livingston Parish, Louisiana. Plaintiff alleges that at the time of the accident he was driving a pickup truck owned by Lott Enterprises, Inc. and insured by defendant (hereinafter referred to as the Lott pickup truck). While rounding a turn, his father’s .45 caliber Colt automatic pistol allegedly fell from the sun visor, struck the floor of the truck and discharged, resulting in a serious bullet wound to plaintiff’s right leg.

Plaintiff was initially administered treatment at the emergency room of Dixon Memorial Hospital in Denham Springs around 9:45 p.m., and then transferred by ambulance to Our Lady of the Lake Regional Medical Center in Baton Rouge shortly before midnight. Plaintiff was placed in traction until July 12, at which time Dr. John Loupe surgically repaired his shattered femur. The bullet was not removed, however, and remains in his leg. He was discharged from Our Lady of the Lake on July 20, 1983.

[849]*849The alleged accident and injury to plaintiff was unwitnessed and the manner in which he was shot is disputed. Defendant contends that the shooting did not occur under the alleged circumstances and denies coverage for the accident under its insurance policy covering the Lott truck.

At trial, the parties called the following witnesses concerning the circumstances of the accident.

Plaintiffs Witnesses

Plaintiff testified that on July 6, 1983, he was driving through Port Vincent, Louisiana between 8:00 and 9:00 p.m. on his way home (Walker, Louisiana) from work. After spotting his father’s truck parked outside, he stopped at Fred’s Bait Shop (a bar and lounge) and drank some beers with his father. At trial plaintiff described this meeting as purely accidental and not prearranged. However, we point out that in a deposition taken five months prior to trial, plaintiff testified as follows:

Q. Where did you swap trucks?
A. Where did I swap trucks, right there at the bridge, there.
Q. So he had left the truck there:
A. Yeah, he left the truck and I just locked mine up and let the keys in it. He told me to come back and get it and take it. (Emphasis ours).

Plaintiff further testified that at approximately 9:00 or 9:30 p.m. he took his father’s keys, leaving the keys to his truck in the ignition; he then drove off in the truck that his father was driving, i.e., the Lott pickup truck.

Plaintiff testified that on his way home his father’s pistol fell from the sun visor, struck the floor of the truck, and fired once. The bullet passed through the seat and entered his right thigh. He then drove to the home of his cousin, Malcolm Howze, who lived only a few miles away. Malcolm Howze then drove plaintiff to Dixon Memorial Hospital.

Jerry Howze, plaintiff’s father, testified that Danny met him at Fred’s Bait Shop around 8:00 or 9:00 p.m. and that they drank together for about one or one and a half hours. They then “swapped keys” and he left in plaintiff’s truck to take a friend home in Denham Springs and then meet plaintiff later at Walker Tavern (another lounge). However, plaintiff never mentioned any intentions of meeting his father at another lounge as he testified that he was on his way home and that he might have stopped by the office to drop off some supplies.

Mr. Howze further testified that he had left his .45 caliber Colt automatic pistol in the Lott pickup truck above the sun visor. He stated that he sometimes would leave the gun cocked with the safety on, but could not remember if he had cocked the hammer of the gun before putting it on the visor. However, he did state that he always put the manual safety on if the hammer were cocked.

The gun was not made available at trial in response to defendant’s subpoena duces tecum. Mr. Howze stated that the gun had disappeared and that he could not locate it. Yet, only three and a half months prior to trial, Mr. Howze testified by deposition as follows:

Q. You said you’ve got three 45’s. Is there any way to distinguish one from the other, or do you know the particular gun that was involved in this accident? Can you pick it out now?
A. Yes, sir. I believe so.
Q. You still use that gun?
A. Yes, sir.
Q. By use I mean carrying it with you, maybe occasionally shooting it.
A. Yes, sir.

He further testified by deposition that the gun had never accidentally discharged or malfunctioned. Despite this testimony, Mr. Howze at trial stated that he was wrong and that he must have mistaken one of his other .45’s for the one that was allegedly involved in his son’s accident.

Earl Lott, co-owner of Lott Enterprises, Inc., testified on direct that “shortly after the accident,” approximately one to two weeks, he saw “a bullet hole in the seat... at the bottom and at the top of the seat” when Julius Lott (his brother) and Jerry Howze were with him at his place of busi[850]*850ness where the truck was kept after the accident. On cross-examination, Earl Lott admitted that he and Jerry Howze are distantly related and that he saw “a few bloodstains, but not excessive” on the seat when he viewed the truck approximately one to two weeks after the shooting.

Ralph Rowland, a hunting companion of plaintiff, testified that “around the first or middle of October,” 1983, plaintiff had shown him the “hole in the seat of his truck where he had got shot where he was sitting.” He then stated that he had not “seen the truck in a good while ... over a year at least” before the trial.

Malcolm Howze, plaintiff’s second cousin, testified on direct that plaintiff arrived at his house around 11:00 p.m. and stated “I’ve been shot.” Malcolm Howze then drove plaintiff in the Lott pickup truck to Dixon Memorial Hospital, approximately a ten minute trip, and drove the truck back to his house when plaintiff’s father arrived at Dixon. On cross-examination, he testified that he did not notice any bullet hole in the seat and that the truck was removed from his property the next day on July 7, 1983.

Lamar Blount, who purchased the Lott truck in December, 1984 or January, 1985, testified that he had never noticed any holes in the seat until they were pointed out to him a few days before trial.

Defendant’s Witnesses

Mr. Arthur Cooper, employed by the firm representing plaintiff herein, testified that he and another employee of the firm, Jeff Robert, went to the home of Lamar Blount on June 25, 1985, to inspect and take photographs of the truck. He testified that he got inside the truck and felt for the holes in the seat but determined that no bullet holes were present. He then stated that he, along with Sgt. Hughes, reinspected the truck approximately two weeks later after being told by an unspecified person that there was a bullet hole in the seat. Mr.

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

Related

Landry v. Doe
582 So. 2d 242 (Louisiana Court of Appeal, 1991)
Howze v. Commercial Union Insurance Companies
508 So. 2d 72 (Supreme Court of Louisiana, 1987)

Cite This Page — Counsel Stack

Bluebook (online)
506 So. 2d 847, 1987 La. App. LEXIS 9337, Counsel Stack Legal Research, https://law.counselstack.com/opinion/howze-v-commercial-union-insurance-companies-lactapp-1987.