Malmay v. Sizemore

474 So. 2d 1358
CourtLouisiana Court of Appeal
DecidedNovember 8, 1985
Docket17140-CA
StatusPublished
Cited by10 cases

This text of 474 So. 2d 1358 (Malmay v. Sizemore) 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
Malmay v. Sizemore, 474 So. 2d 1358 (La. Ct. App. 1985).

Opinion

474 So.2d 1358 (1985)

James Michael MALMAY, Individually and as Tutor of the Minor, Crystal Francine Malmay, Plaintiff-Appellant,
v.
Billy E. SIZEMORE, et al., Defendants-Appellees.

No. 17140-CA.

Court of Appeal of Louisiana, Second Circuit.

August 21, 1985.
Writ Granted November 8, 1985.

*1360 Booth, Lockard, Politz, Lesage & D'Anna by John R. D'Anna, Shreveport, for plaintiff-appellant, James Michael Malmay.

Rountree, Cox & Guin by Gordon E. Rountree, Shreveport, for defendant-appellee-appellant, Billy E. Sizemore.

Bodenheimer, Jones, Klotz & Simmons by G.M. Bodenheimer, Mary L. Coon, Shreveport, for defendant-appellee, United Services Auto. Ass.

Before HALL, SEXTON and NORRIS, JJ.

SEXTON, Judge.

This action arose as the result of a one car accident which caused the death of Deborah Wilkins Malmay, a passenger in the vehicle. Her husband, James Michael Malmay, instituted suit individually and as tutor for their minor child, Crystal Francine Malmay, for Deborah's wrongful death. Named as defendants were Billy Sizemore, driver of the vehicle; Beverly Jean Heggen, owner of the vehicle; her son, Craig, who allegedly loaned the car to Sizemore; the insurer of the vehicle, United Services Automobile Association Casualty Insurance (USAA); the State of Louisiana, Department of Transportation and Development (DOTD); and American Liberty Insurance Company, liability insurers of Billy Sizemore's sister and brother-in-law, with whom he resided at the time of the accident. Prior to trial, defendants Beverly Heggen and Craig Heggen were dismissed as a result of a ruling on an exception. American Liberty Insurance Company was dismissed from the suit voluntarily by the plaintiff. At the conclusion of plaintiff's evidence at trial, DOTD was also dismissed.

After the trial, the trial court rejected plaintiff's demands against USAA finding that Sizemore's use of the vehicle was not covered under the omnibus clause of Beverly Heggen's insurance policy. However, the trial court found Sizemore to be negligent in causing Mrs. Malmay's death and awarded judgment against him for $20,000 in favor of plaintiff individually, and $50,000 in favor of plaintiff in his capacity as tutor of his minor daughter. From this judgment, plaintiff and defendant Sizemore appeal. We affirm.

The incident giving rise to this litigation occurred on October 2, 1981 on U.S. Highway 71 in rural Bossier Parish, Louisiana. On the night immediately preceding the accident, Deborah Malmay and her sister, Denise Wilkins, went to Shreve Square, a night club district in Shreveport. When Denise decided to go home, Deborah was not yet ready to leave, and told Denise that she would stay and ride home later with a friend. Thereafter, Denise and her boyfriend left Shreve Square.

Later that evening, Deborah met Billy Sizemore and asked him for a ride home. Sizemore drove a 1978 Chevrolet Luv pickup truck belonging to Beverly Heggen and obtained by Sizemore from her son, Craig Heggen, who had driven it to Shreve Square. As the vehicle proceeded down U.S. Highway 71, Billy Sizemore lost control of the vehicle, ran off the road and struck a culvert, causing serious injuries to Mrs. Malmay which eventually resulted in her death.

At the time of the collision, Billy Sizemore was uninsured. The Luv pickup truck was one of three vehicles insured under a policy of liability insurance issued by defendant USAA. The policy written by USAA included an omnibus clause extending liability coverage to the named insured, any resident of the insured's household, and any other person using the automobile with the permission of the named insured, provided that the actual operation or use is within the scope of such permission. Beverly Heggen was designated as the named insured under the policy and she and Craig Heggen were designated on the policy as operators for all three vehicles. At the time of the accident Craig was temporarily staying with his mother while he moved to another home. It is not seriously contended that he was a member of his mother's household.

OMNIBUS COVERAGE

At trial plaintiff asserted that Sizemore's use of the vehicle triggered coverage under *1361 the omnibus clause of Beverly Heggen's insurance policy because he had been given permission to drive the truck by a designated operator, Craig Heggen.

The trial court concluded that the evidence clearly established that Craig Heggen gave Billy Sizemore permission to use the vehicle. However, the court also found that the evidence showed that Craig's permission from his mother to use the truck was limited for a specific purpose, i.e., moving his belongings from one apartment to another, and that he did not have permission to use it for the purpose for which it was used. Therefore, the trial court found that since the first permittee's use of the vehicle was restricted, the second permittee use was not covered under the omnibus provision of the insurance policy.

On appeal, plaintiff-appellant reiterates his trial contention against USAA that Craig Heggen had the authority to use and loan the subject vehicle independent of Beverly Heggen's permission, by virtue of his appearance on the policy as a designated operator. Plaintiff argues that the clear meaning of the term is such that each person designated as an operator on the policy was intended to use any and all of the insured automobiles without qualification. Plaintiff also argues that the term "designated operator" is not defined in the policy; therefore, the policy is ambiguous and should be construed against its author, the insurance company. Due to the lack of this definition, appellant submits that there is no basis for differentiation between a designated operator and a named insured for purposes of finding omnibus coverage. We disagree.

The policy is clear and unambiguous as to the extent of coverage afforded. Those covered under its terms are the named insured, Beverly Heggen, members of her household, or persons operating the vehicle within the scope of the permission given by the named insured. Therefore, her son Craig clearly had to have her permission to drive the vehicle in order for his operation of that vehicle to be covered under this policy of insurance. Although designated operator is not defined in the policy, we have little difficulty in concluding that Craig Heggen's designation as such on the policy did not give him the unrestricted right of use of Mrs. Heggen's vehicle.

In Coco v. State Farm Mutual Automobile Insurance Co., 136 So.2d 288 (La. App.3d Cir.1962), our brethren of the Third Circuit made an exhaustive review of the jurisprudence pertinent to the pivotal question in this appeal, i.e., whether or not Billy Sizemore's use of the truck as a second permittee was covered under the omnibus clause of Beverly Heggen's policy.

We think the jurisprudence of this State has been established to the effect that where the original permittee has been granted more or less general discretion and continuous control over the insured vehicle by the named insured, such general permission carries with it the implied consent of the named insured for the original permittee to allow third persons to use the insured vehicle. Under those circumstances, a third person using the vehicle with the permission of the original permittee is considered as having the indirect and implied permission of the named insured to use the car, and thus becomes an insured under the provisions of the omnibus clause. Perrodin v. Thibodeaux, La.App. 1 Cir., 191 So. 148; Boudreaux v. Cagle Motors, La. App. 1 Cir., 70 So.2d 741; Garland v.

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Bluebook (online)
474 So. 2d 1358, Counsel Stack Legal Research, https://law.counselstack.com/opinion/malmay-v-sizemore-lactapp-1985.