Katherine Hunter v. Texas Farm Bureau Mutual Insurance Company

Court of Appeals of Texas·Decided December 2, 2021·No. 01-20-00443-CV·Published

Opinion

Opinion issued December 2, 2021

In The

Court of Appeals

For The

First District of Texas

awarded no damages. On appeal, Hunter argues that the evidence is legally and factually insufficient to support the award of no damages. We affirm.

BACKGROUND

The underlying lawsuit arises out of a low-speed automobile-pedestrian collision. The motorist, Lindsey Martin, was initially stopped at a red light. When the light turned green, she turned her car onto the street that Hunter was simultaneously crossing on foot. It is undisputed that Hunter was in a crosswalk and had the right of way. But Martin did not see Hunter in time to avoid hitting her.

Hunter sued Martin for negligence. Hunter also sued her own insurance company, Texas Farm Bureau Mutual Insurance Company, under the underinsured- motorist provision of her automotive policy.

Martin’s insurer paid Hunter $50,000, which was the policy limit of Martin’s insurance. And Hunter nonsuited her claim against Martin.

Texas Farm Bureau paid Hunter $10,000 under the personal-injury-protection provision of her policy. The parties subsequently tried Hunter’s claim for additional damages under the underinsured-motorist provision to a jury. Hunter sought to recover the following categories of damages from Texas Farm Bureau:

• past and future physical pain and mental anguish;

• past and future physical impairment; and

• future medical expenses.

Hunter disclaimed damages for past medical expenses and lost wages.

At trial, the parties stipulated that Hunter had underinsured-motorist coverage through Texas Farm Bureau. The severity and cause of her medical conditions were the principal disputed issues before the jury. See In re Liberty Cty. Mut. Ins. Co., 537 S.W.3d 214, 220 (Tex. App.—Houston [1st Dist.] 2017, orig. proceeding) (when underinsured-motorist coverage is established, issues in underinsured-motorist suit are essentially those of typical suit involving car accident: motorist’s negligence and existence and amount of any damages caused by accident).

Hunter and one of her treating doctors, Christopher Vije, M.D., were the principal fact witnesses. Martin, an accident-reconstruction expert, Hunter’s daughter-in-law, and two of Hunter’s friends also testified. Finally, two experts, one for each side, testified about Hunter’s future medical care and expenses. In addition, the parties introduced more than 1,500 pages of Hunter’s medical records into evidence.

The accident took place at the T-intersection of 23rd Street and Harborside Drive in Galveston in mid-August 2015. Hunter was traveling southward on foot, and she intended to cross Harborside Drive to continue southward along 23rd Street. Martin was driving northward on 23rd Street, and she intended to make a left turn onto Harborside Drive. Both Hunter and Martin were waiting for their respective traffic signals to change so that they could proceed through the intersection. When the traffic signals simultaneously changed, the accident at issue unfolded.

At the time of the accident, it was around 5:00 p.m. on a Friday during the tourist season. Traffic was heavy. Hunter testified that she began to cross Harborside Drive in the crosswalk when the signal for pedestrian traffic indicated it was appropriate to do so. Though she looked both ways before entering the crosswalk, she started across quickly because her family was waiting for her. Then Hunter was hit by Martin’s car.

Martin was stopped at the red light on 23rd Street. When the light turned green, Martin accelerated and turned onto Harborside Drive, the roadway Hunter was crossing. Hunter testified that she saw Martin start forward. And Hunter assumed Martin was turning onto Harborside Drive but also thought Martin would avoid hitting her in the crosswalk. Unfortunately, that did not happen, as Martin did not see Hunter in time to stop.

The impact knocked Hunter onto the hood of Martin’s car. Hunter then fell to the ground. Hunter said that Martin’s car was moving slowly at the moment of impact. Hunter’s medical records indicate that she told treaters it had been going five miles per hour or less.

Hunter got up, walked back to the curb, and sat down. She called her family on her cell phone to let them know what had happened.

Both Hunter and Martin testified that the accident was Martin’s fault. The accident-reconstruction expert testified so as well.

At Hunter’s request, she was taken to the emergency room by ambulance.

Hunter testified that the entire left side of her body hurt, particularly her shoulder, hip, and leg. She rated her pain at a three on a scale of one to ten. Hunter’s emergency-room records stated that she did not have any “obvious deformity,” “signs of obvious trauma,” or “obvious injuries or external bleeding.” Hunter was x- rayed from shoulder to feet, and the tests showed nothing was dislocated or fractured. The x-rays did show that Hunter, who was in her early 60s at the time, had some mild arthritic changes. A doctor prescribed Hunter a painkiller, Tramadol, and the emergency room discharged her without further treatment.

Hunter remained on vacation in Galveston over the next several days. She spent most of her time relaxing at the condominium her family had rented. But she dined out at a restaurant Saturday evening. And on Monday or Tuesday, she went to Schlitterbahn, where she floated on an innertube. Hunter never filled the painkiller prescription. She regularly took an over-the-counter painkiller, Advil, instead.

A couple of weeks later, in late August, Hunter saw her primary care doctor.

Hunter testified that she was still “really sore,” “bruised,” and “swollen” but thought that she only had “soft tissue” injuries. Hunter’s doctor told her to wait and see how she was in a month’s time.

Hunter testified that she was still in pain a month later and has been ever since.

So, over the next three and half years or so, Hunter sought and received medical care

from several doctors. These doctors administered a number of diagnostic tests and treated Hunter for multiple medical conditions. Of particular significance, Hunter underwent the following tests and treatments:

• in October 2015, an MRI and arthrogram of her shoulder showed a partial tear in her rotator cuff and mild degenerative changes;

• in November 2015, she had arthroscopic surgery to repair her shoulder;

• in March 2016, MRIs of her hip and leg showed mild inflammatory changes consistent with tendinopathy and trochanteric bursitis as well as mild degenerative changes; and • in April 2016, she had arthroscopic surgery with a trochanteric bursectomy to repair her hip.

Hunter attributed the pain in her shoulder, hip, and elsewhere to the accident,

testifying that she did not have any pain beforehand. But some of her medical records contradict her account. For example, a 2010 record shows that Hunter reported recurrent back pain. A 2014 record shows she reported leg cramps while walking in addition to recurrent back pain.

Hunter stated that the shoulder surgery was a success. But she testified that she continued to have pain in her hip and leg even after the hip surgery and physical therapy. Thus, she sought more testing and treatment.

In January 2017, one of Hunter’s doctors, an orthopedist, ordered an MRI of her lumbar spine to determine if spinal issues could be the source of her ongoing pain. The MRI showed mild disc desiccation and degenerative disc changes. The next month, a pain management specialist to whom Hunter had been referred and

who had administered the lumbar spine MRI, diagnosed her with gluteal tendinitis. The pain management specialist concluded her tendinitis was not secondary to anything and attributed her spinal issues to age.

Hunter continued to have pain in 2018. As of the time of trial, she was taking the prescription drug Lyrica to manage her pain. She said the drug reduced her pain to a one or two on a scale of ten.

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Katherine Hunter v. Texas Farm Bureau Mutual Insurance Company, (Tex. Ct. App. 2021).

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