Katherine Hunter v. Texas Farm Bureau Mutual Insurance Company

CourtCourt of Appeals of Texas
DecidedDecember 2, 2021
Docket01-20-00443-CV
StatusPublished

This text of Katherine Hunter v. Texas Farm Bureau Mutual Insurance Company (Katherine Hunter v. Texas Farm Bureau Mutual Insurance Company) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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

Opinion

Opinion issued December 2, 2021

In The

Court of Appeals For The

First District of Texas ———————————— NO. 01-20-00443-CV ——————————— KATHERINE HUNTER, Appellant V. TEXAS FARM BUREAU MUTUAL INSURANCE COMPANY, Appellee

On Appeal from the 10th District Court Galveston County, Texas Trial Court Case No. 17-CV-0910

O P I N I O N

Katherine Hunter was hit by a car while walking across the street. She sued

her own insurance company under the underinsured-motorist provision of her policy.

A jury found that the underinsured motorist was mostly to blame for the accident but 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. 2 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.

3 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.

4 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

5 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.

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