Jake Carmouche v. National Union Fire Insurance Company of Pittsbugh, Pa

Louisiana Court of Appeal·Decided May 27, 2026·No. CA-0025-0638·Unknown

Opinion

STATE OF LOUISIANA

COURT OF APPEAL, THIRD CIRCUIT

25-638

JAKE CARMOUCHE, ET AL. VERSUS

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA, ET AL.

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APPEAL FROM THE

TWELFTH JUDICIAL DISTRICT COURT PARISH OF AVOYELLES, NUMBER 2022-9627B HONORABLE WILLIAM BENNETT, DISTRICT JUDGE

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GARY J. ORTEGO

JUDGE

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Court composed of Candyce G. Perret, Charles G. Fitzgerald, and Gary J. Ortego, Judges.

AFFIRMED IN PART; AND REVERSED IN PART.

Perret, J., concurs and assigns reasons. Fitgerald, J., dissents, in part, and assigns reasons.

Daniel G. Brenner Bolen, Parker, Brenner, Lee & Miller, LTD. 709 Versailles Boulevard Alexandria, LA 71315-1590 (318) 445-8236 COUNSEL FOR DEFENDANTS/APPELLANTS:

Bayou Ready Mix, LLC Gene Adam Lemoine

Robert I. Siegel Morgan A. Druhan Laborde Siegel, LLC 701 Poydras Street, Suite 4800 New Orleans, LA 70139-4800 (504) 561-0400 COUNSEL FOR DEFENDANT/APPELLANT:

National Union Fire Ins. Co.

Jerold Edward Knoll Jerold Edward Knoll, Jr. Aaron Broussard Laura B. Knoll Broussard Knoll Law Firm 1301 Common Street Lake Charles, LA 70601 (337) 439-2450 COUNSEL FOR PLAINTIFFS/APPELLEES:

Jake Carmouche, et al.

ORTEGO, Judge.

Defendants, Gene Lemoine, his employer, Bayou Ready Mix, LLC, and

Bayou Ready’s insurance company, National Union Fire Insurance Company of Pittsburgh, PA, appeal the jury verdict and denial of their motion for a judgment notwithstanding the verdict (“JNOV”). For the following reasons, we affirm in part and reverse in part.

FACTS AND PROCEDURAL HISTORY On November 22, 2021, Katie Carmouche (“Katie”) and her three minor children were involved in a motor vehicle accident, which caused serious injuries to Katie, Cole, Bennette, and resulted in the death of the Carmouches’ daughter, Hayzel.

The accident occurred shortly before 8:00 am when Katie was on her way to drop off her three children at daycare. All three children were riding in the back seats—Hayzel was eight years old, Cole was five years old, and Bennette was two years old.

While stopped in the northbound lane of Highway 1 waiting to make a left turn into the daycare facility, a cement truck rear-ended Katie’s car at a high rate of speed. The impact crushed the rear of Katie’s car and propelled her vehicle into the southbound lane, where it was hit once again by an oncoming Ford F-150. The damage to the car was so extensive that the back seats were forcibly shoved into the front seats and the front seats were shoved into the dashboard. The children’s daycare operator witnessed the accident from the facility and immediately called Katie’s husband, Jake Carmouche (“Jake”), and 911.

At some point after the damaged car came to a stop, Katie was able to exit the vehicle and attempted to get her children out. A retired nurse who had driven by the scene shortly after the accident pulled over to aid the family. Bennette and Cole

were eventually extricated from the car with difficulty, as a result of extensive damage to the car’s frame. Hayzel, on the other hand, was wedged too tightly between the front and rear passenger seats to be removed without specialized equipment.

Jake, who was trained as an army national guard medic/EMT, arrived within minutes of the accident. He attempted to remove Hayzel from the vehicle to no avail. The first responders arrived shortly thereafter, and the “jaws of life” had to be used to extract Hayzel from the car. Prior to Hayzel’s removal from the car, Jake and the other first responders attempted to revive Hayzel with a defibrillator, but these efforts were abandoned when it was discovered Hayzel no longer had a pulse, and she was officially pronounced dead at the scene.

While Jake and the first responders were attending to Hayzel, Katie and the two boys were lying in a ditch. Cole was slipping in an out of consciousness as a result of a severe head injury and Bennette was screaming in pain as a result of leg fractures.

Katie and the two boys were transferred to Rapides Regional Medical Center for treatment. The record reflects that Bennette had suffered a broken tibia and fibula, which required him to wear a long-leg cast and not put any weight on the leg for weeks. Cole suffered an “open depressed skull fracture with underlying subdural hematoma,” which was diagnosed as a “severe traumatic brain injury.” He exhibited signs of a brain injury for six months.

Jake and Katie, individually and on behalf of their minor children (collectively referred to as “plaintiffs”), filed a petition for damages naming the driver of the cement truck that rear-ended Katie’s car, Gene Lemoine, his employer, Bayou Ready Mix, LLC, and Bayou Ready’s insurance company, National Union Fire Insurance Company of Pittsburgh, PA, as defendants (collectively referred to as “defendants”).

On April 13, 2023, the trial court granted the plaintiffs’ motion for partial summary judgment on the issue of liability, finding the driver of the cement truck “solely at fault” for the accident.

Following a four-day trial on the issue of damages, on February 7, 2025, the jury returned a verdict awarding the plaintiffs over $34 million total in general damages, which encompassed the pain and suffering experienced by the family, bystander trauma, and the wrongful death of Hayzel. The jury verdict and awards were broken down as follows:

1.KATIE CARMOUCHE:

a) Stipulated Medical Bills $128,180.89 b) Past Physical Pain and Suffering $100,000.00 c) Past Mental Pain and Suffering $7,000,000.00 d) Future Mental Pain and Suffering $3,000,000.00 e) Loss of Enjoyment of Life $50,000.00 f) Physical Disability $0.0 g) Mental Anguish and Emotional Distress As a result of $1,000,000.00 Witnessing Injury and Death to Hayzel Carmouche h) Mental Anguish and Emotional Distress as a result of Witnessing $100,000.00 Injury To Cole and Bennette Carmouche i) Loss of Consortium and Society with Cole and Bennette $100,000.00 Carmouche as a Result of Physical and Emotional Injuries Sustained by Cole and Bennette Carmouche j) Loss of Consortium and Society with Jake as a Result of Physical $0.0 and Emotional Injuries sustained by Jake Carmouche k) Damages for the wrongful death of Hayzel Carmouche $15,000,000.00 Total damages to Katie Carmouche $26,492,591.37

2. JAKE CARMOUCHE a) Stipulated Medical Bills $1,407.87 b) Mental Anguish and Emotional Distress As a result of witnessing $3,000,000.00 injury and death to Hayzel Carmouche c) Mental Anguish and Emotional Distress As a result of witnessing $50,000.00 injury to Cole Carmouche and Bennette Carmouche d) Loss of Consortium and Society with Cole and Bennette $0.00 Carmouche as a Result of hysical and Emotional Injuries sustained by Cole and Bennette Carmouche e) Future Mental Pain and Suffering $250,000.00 f) Funeral Expenses – Hayzel Carmouche $14,410.48 g) Damages for the wrongful death of Hayzel Carmouche $5,000,000.00 Total damages to Jake Carmouche $8,315,818.35

3. JAKE CARMOUCHE and KATIE CARMOUCHE, on behalf of their minor child, Cole Carmouche, a) Stipulated Medical Bills $211,556.68 b) Physical Pain and Suffering $100,000.00 c) Past Mental Pain and Suffering $25,000.00 d) Future Mental Pain and Suffering $0.00 e) Physical Disability $0.00 f) Loss of Consortium and Society with Katie Carmouche $0.00 g) Loss of Consortium and Society with Jake Carmouche $0.00 Total damages to Jake and Katie Carmouche, on behalf of Cole $336,556.68 Carmouche

4. JAKE CARMOUCHE and KATIE CARMOUCHE, on behalf of their minor child, Bennette Carmouche:

a) Stipulated Medical Bills $87,860.32 b) Physical Pain and Suffering $100,000.00 c) Past Mental Pain and Suffering $25,000.00 d) Future Mental Pain and Suffering $0.00 e) Physical Disability $0.00 f) Loss of Consortium and Society with Katie Carmouche $0.00 g) Loss of Consortium and Society with Jake Carmouche $0.00 Total damages to Jake and Katie Carmouche, on behalf of Bennette $212,860.32 Carmouche

5. Under Louisiana Civil Code article 2315.1, the Jury was submitted the following interrogatory:

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Jake Carmouche v. National Union Fire Insurance Company of Pittsbugh, Pa, (La. Ct. App. 2026).

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