Kimball v. Audubon Insurance Co.

103 So. 2d 529, 1958 La. App. LEXIS 910
CourtLouisiana Court of Appeal
DecidedMay 12, 1958
DocketNo. 4581
StatusPublished
Cited by2 cases

This text of 103 So. 2d 529 (Kimball v. Audubon Insurance Co.) 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
Kimball v. Audubon Insurance Co., 103 So. 2d 529, 1958 La. App. LEXIS 910 (La. Ct. App. 1958).

Opinion

ELLIS, Judge.

Plaintiff filed this suit on May 10, 1955 individually for medical expenses paid on behalf of his minor daughter, Sandra Kim-ball, and individually on behalf of the minor for damages for personal injuries suffered by the latter while a guest passenger in the back seat of a Buick sedan being driven by the minor daughter of the insured, as the result of an automobile accident which occurred on August 7, 1954. This tort suit was instituted as a direct action against the Audubon Insurance Company under the provisions of LSA-R.S. 22:655.

The defendant filed an exception of no right or cause of action based upon the failure of its insured to give notice of the collision in accordance with one of the conditions set forth in the contract of insurance, as follows:

“1. Notice of Accident — Coverages A, B and C: When an accident occurs written notice shall be given by or on behalf of the insured to the company or any of its authorized agents as soon as practicable. Such notice shall contain particulars sufficient to identify the insured and reasonably obtainable information respecting the time, place and circumstances of the accident, the names and addresses of the injured and of available witnesses.”

It is true that no notice was given by the insured to the defendant and its first knowledge of this claim was the filing of the suit, which was approximately eight months after the accident. It is agreed and admitted that there was no collusion or fraud involved on the part of either party. The insured testified that he did not feel that any notice was necessary because Dr. Lipscomb, to whom the plaintiff’s minor daughter was taken for treatment immediately after the accident, indicated that the latter’s injuries were of a minor nature. There is no testimony whatsoever as to whether the plaintiff or his daughter knew that Mr. St. Germaine, the insured, had insurance prior to the time they visited their attorney, approximately eight months after the accident.

The liability of the defendant insurance company is not questioned. Medical bills of the plaintiff and injuries to his minor daughter arose as a result of the negligent operation of the car by the minor daughter of the insured.

The Lower Court overruled the defendant’s exception under authority of a majority holding of our Supreme Court in the case of West v. Monroe Bakery, 217 La. 189, 46 So.2d 122. The holding in this case is still the law, that the insurer cannot escape liability under its policy contract because of the failure of its insured to give notice as soon as practicable after the accident has occurred and that where an injured third person is not at fault, he does not lose his right or cause of action for [531]*531the breaching of an agreement by the insured with its insurer. There is nothing factually shown in the record of the case at bar which would deprive the plaintiff and/or his daughter of their cause or right of action against the defendant company. The judgment of the lower court in overruling the exception of no cause or right of action is affirmed.

The case was duly tried and judgment rendered in favor of the plaintiff, Sandra Kimball Chase, for $150 and rejecting the demands of plaintiff Louis Kimball and Brandon Chase for medical expenses paid by the former prior to the marriage of Sandra Kimball and by the latter after their marriage, as the court found no causal connection between the accident and plaintiff’s back injury and resulting disability. All plaintiffs appealed and defendant has answered the appeal asking that its exception of no cause or action be sustained and, in the alternative, that plaintiff’s suit be dismissed in its entirety.

The only remaining questions are whether the plaintiff is entitled to recover the medical bills paid by him prior to the marriage of his daughter on Nov. 26, 1955 to Brandon L. Chase, and thereafter whether the latter is entitled to recover the medical bills paid by him on behalf of his wife, and the amount to be awarded Mrs. Sandra Kimball Chase for her personal injuries, as she was substituted the plaintiff in the supplemental and amended petition filed on February 11, 1957, the date the case was tried. In this supplemental petition there was also a prayer for recovery under the provisions of LSA-R.S. 22:658 for 12% penalty in case of failure to timely pay medical expenses and reasonable attorney fees in the amount of % of the medical expenses. Without further ado we hold that there is no justification under the facts of this case for the imposition of the penalties.

On the date of the accident Miss Carolyn St. Germaine, 19 year old daughter of the insured, and Caroline Adams and Sandra Kimball Chase, plaintiff herein, were returning home from a school picnic at Pon-chatoula Beach. Carolyn St. Germaine was driving her father’s car with Caroline Adams on the front seat beside her, and Sandra Kimbal Chase was sitting to the right of the rear seat. Caroline Adams lived approximately five or six miles west of the Town of Ponchatoula on the Springfield Highway and to its north, and it was the intention of Carolyn St. Germaine to take her home first. It appears that she forgot the location of the road which turned to the Adams home and it was called to her attention at a time when, in fact, it was too late for her to successfully make this right angle turn at the speed at which she was going at the time, however, she attempted to make this turn and as a result lost control of her car which hit a stop sign and demolished it, went into a ditch and on across and struck the corner of a fence knocking it down. When she made the sudden turn to the right it threw Sandra Kimball Chase across the back seat to the left where she stated she hit the arm rest and her shoulder hit the bottom of the window and her head hit the metal bar at the top of the window rendering her unconscious.

Caroline Adams’ version of what happened or what she saw immediately after the car came to rest as to the position and condition of plaintiff Sandra Kimball Chase, is accurately revealed in her testimony as follows:

“To the best of my knowledge I remember looking around and I was still kind of —you know — -it happened so sudden, and Carolyn St. Germain had just glimpsed in the back and she went into shock, she was sort of screaming and bearing against the steering wheel and I looked into the back and I saw Sandra, I think she was kind of half way — maybe she was lying or half way leaning, something like that — anyhow it scared me because her neck was kind of turned and I was scared she had broken her neck and she was real pale and Carolyn St. Germain was scream[532]*532ing, and I tried to get Carolyn back into control of herself, I slapped her, you know, and tried to make her gain control of herself and I got in the back seat and looked at Sandra. I know that I rolled down the window and propped her. feet up and I remember — I don’t remember the order of it —but I remember feeling her neck, she was unconscious, to see if it was broken or anything like that and then I laid her down and propped her feet up out the window because her face was awfully pale and then the boys came back and we discussed it, we didn’t exactly know what to do and Carolyn had gained some control of herself and they took Carolyn St. Ger-main and put her in the other car and we lifted Sandra very gently out of the car and laid her on the grass and then we decided to take her to the clinic in Poncha-toula and we very carefully lifted her and put her in the other car and the five of us, the two boys and three girls, went to Ponchatoula.

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Related

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129 So. 2d 580 (Louisiana Court of Appeal, 1961)
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Bluebook (online)
103 So. 2d 529, 1958 La. App. LEXIS 910, Counsel Stack Legal Research, https://law.counselstack.com/opinion/kimball-v-audubon-insurance-co-lactapp-1958.