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

CourtLouisiana Court of Appeal
DecidedMay 27, 2026
DocketCA-0025-0638
StatusUnknown

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

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.

**********

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

GARY J. ORTEGO JUDGE

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”). 2 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 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.

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