Louise Jowdy v. Hermelinda Rossi, USAA, USAA County Mutual Insurance Company, USAA Casualty Insurance Company

CourtCourt of Appeals of Texas
DecidedJuly 6, 2021
Docket01-19-00715-CV
StatusPublished

This text of Louise Jowdy v. Hermelinda Rossi, USAA, USAA County Mutual Insurance Company, USAA Casualty Insurance Company (Louise Jowdy v. Hermelinda Rossi, USAA, USAA County Mutual Insurance Company, USAA Casualty 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
Louise Jowdy v. Hermelinda Rossi, USAA, USAA County Mutual Insurance Company, USAA Casualty Insurance Company, (Tex. Ct. App. 2021).

Opinion

Opinion issued July 6, 2021

In The

Court of Appeals For The

First District of Texas ———————————— NO. 01-19-00715-CV ——————————— LOUISE JOWDY, Appellant V. HERMELINDA ROSSI, USAA, USAA COUNTY MUTUAL INSURANCE COMPANY, USAA CASUALTY INSURANCE COMPANY, Appellees

On Appeal from the 80th District Court Harris County, Texas Trial Court Case No. 2017-43825

MEMORANDUM OPINION

Appellant Louise Jowdy sued appellees Hermelinda Rossi, USAA, USAA

County Mutual Insurance Company, and USAA Casualty Insurance Company

(collectively Rossi) for damages that she alleged were caused by Rossi’s negligence

in a 2015 car accident. The jury determined that Rossi was not negligent, and the trial court rendered a take-nothing judgment on Jowdy’s claims. On appeal, Jowdy

asserts in two issues that (1) the evidence was factually insufficient to support the

jury’s finding of no negligence and (2) remand is the proper remedy to address the

factual insufficiency of the evidence. Because we conclude that the jury’s verdict

was not contrary to the overwhelming weight of the evidence, we affirm.

Background

Jowdy testified that she exited the Sam Houston Tollway on July 2, 2015. As

she exited, she stopped near a toll booth in the exit lane, despite the fact that she was

in the “toll tag” lane that did not require traffic to stop. Jowdy testified that she

stopped because traffic was heavy. She saw a car approaching from behind, and she

believed that the driver was looking off to the side. She was rear-ended by the

approaching driver, appellee Rossi.

Rossi testified that, on the day of the accident, she and her husband were

visiting from San Antonio. It was her first time on the tollway. Rossi agreed with

Jowdy’s counsel’s statement that she “caused [the] wreck 100 percent,” stating, “Of

course, because I was the one driving.” She testified that she “did what she could”

to leave enough following space and to break when she realized Jowdy was stopped

ahead of her. Rossi contradicted Jowdy’s testimony that she was looking to the side

before the crash, stating that she was looking straight ahead with both hands on the

wheel. She was not speeding, nor was she talking on the phone or otherwise

2 distracted. Rossi testified that she tried to avoid the crash, but she was unable to do

so and was herself rear-ended by the person behind her.

Deputy A. Reeves responded to the scene of the accident. In her opinion, Rossi

caused the crash and failed to use reasonable care. In her accident report, Deputy

Reeves identified Rossi’s failure to control her speed as a contributing factor to the

crash. Reeves testified that Rossi told her that she tried to stop in time but was unable

to do so. Deputy Reeves further testified that, based on her observations and reports

from the scene, it appeared that Rossi had tried to stop. There was no indication that

Rossi had been distracted. Deputy Reeves also testified that drivers had certain

safety obligations, such as controlling their speed, keeping a proper lookout, and

leaving reasonable following space, but she acknowledged that accidents can happen

even when people are trying to follow the law. Deputy Reeves further testified that

accidents were common in that area.

Jowdy also provided evidence regarding spinal injuries that she attributed to

the crash. Jowdy was in her seventies at the time of the accident and had a history of

degenerative disease in her spine. She had prior back surgeries unrelated to the 2015

accident. Dr. Mayur Kanjia, who did not examine or treat Jowdy until more than

three years after the accident, testified that the 2015 accident aggravated Jowdy’s

pre-existing problems and created some new concerns for her spine. Dr. Kanjia

testified that Jowdy would continue to need medical treatment for her spine. He

3 based his opinion in part on a review of multiple MRIs taken in 2007, 2015, and

2018, and he determined that the scans showed “significant changes” that he

believed were due to trauma. However, Kanjia also acknowledged that Jowdy had a

degenerative condition that could also have accounted for some or all of the changes

reflected in the MRIs. Dr. Kanjia’s testimony was contradicted by Dr. Allen

Deutsch, an expert for the defense who did not treat Jowdy but reviewed her medical

records. Dr. Deutsch opined that the changes demonstrated in the MRIs were

primarily caused by Jowdy’s degenerative condition.

The jury was instructed on the definition of negligence and other relevant

terms:

“Negligence” means failure to use ordinary care, that is, failing to do that which a person of ordinary prudence would have done under the same or similar circumstances or doing that which a person of ordinary prudence would not have done under the same or similar circumstances.

“Ordinary care” means that degree of care that would be used by a person of ordinary prudence under the same or similar circumstances.

“Proximate cause” means that cause which, in a natural and continuous sequence, produces an event, and without which cause such event would not have occurred. In order to be a proximate cause, the act or omission complained of must be such that a person using ordinary care would have foreseen that the event, or some similar event, might reasonably result therefrom. There may be more than one proximate cause of an event.

The jury was further instructed:

Under Texas law, a driver shall, if following another vehicle, maintain an assured clear distance between the two vehicles so that, considering

4 the speed of the vehicles, traffic, and the conditions of the highway, the driver can safely stop without colliding with the preceding vehicle or veering into another vehicle, object, or person on or near the highway.

The jury was then asked, “Did the negligence, if any, of HERMELINDA

ROSSI proximately cause the occurrence in question?” Jury answered “No,” and the

trial court rendered a take-nothing judgment on Jowdy’s claims based on this verdict.

Sufficiency of the Evidence

In two issues, Jowdy argues that the jury’s finding of no negligence was

against the overwhelming weight of the evidence and, thus, was factually

insufficient. She further argues that remanding the case to the trial court is the proper

remedy.

A. Standard of Review

In a factual sufficiency review, we consider all the evidence for and against

the challenged finding, and we set aside the finding only if it is so contrary to the

overwhelming weight of evidence as to be clearly wrong and unjust. Dow Chem. Co.

v. Frances, 46 S.W.3d 237, 242 (Tex. 2001); Guimaraes v. Brann, 562 S.W.3d 521,

549 (Tex. App.—Houston [1st Dist.] 2018, pet. denied) (citing Cain v. Bain, 709

S.W.2d 175, 176 (Tex. 1986)).

The factfinder is the sole judge of the credibility of witnesses and the weight

to be given their testimony. City of Keller v. Wilson, 168 S.W.3d 802, 819 (Tex.

2005). The factfinder may resolve inconsistencies in witness testimony, regardless

5 of whether such inconsistencies result from contradictory accounts of multiple

witnesses or from internal contradictions in the testimony of a single witness.

Guimaraes, 562 S.W.3d at 549 (citing McGalliard v.

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Louise Jowdy v. Hermelinda Rossi, USAA, USAA County Mutual Insurance Company, USAA Casualty Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/louise-jowdy-v-hermelinda-rossi-usaa-usaa-county-mutual-insurance-texapp-2021.