Maney v. Bennett

703 So. 2d 152, 1997 WL 720954
CourtLouisiana Court of Appeal
DecidedNovember 19, 1997
Docket97-CA-0840
StatusPublished
Cited by8 cases

This text of 703 So. 2d 152 (Maney v. Bennett) 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
Maney v. Bennett, 703 So. 2d 152, 1997 WL 720954 (La. Ct. App. 1997).

Opinion

703 So.2d 152 (1997)

Norman MANEY, Jr.
v.
Patricia J. BENNETT, State Farm Mutual Automobile Insurance Company and Chicago Insurance Company.

No. 97-CA-0840.

Court of Appeal of Louisiana, Fourth Circuit.

November 19, 1997.

Kris P. Kiefer, Nat G. Kiefer, Jr., Metairie, for Appellant.

James E. Brouillette, Ward, Nelson & Pelleteri, LLC, New Orleans, for Appellee.

Before PLOTKIN, JONES and CIACCIO, JJ.

JONES, Judge.

Plaintiff/appellant Mr. Norman Maney, Jr. appeals the lower court's judgment granting summary judgment to Chicago Insurance Company (Chicago), Mr. Maney's uninsured motorist carrier.

*153 STATEMENT OF FACTS

Mr. Maney was involved in an automobile accident with the alleged tortfeasor, Ms. Patricia J. Bennett, on April 18, 1996, at the intersection of Jefferson Avenue and Prytania Street in New Orleans. The accident occurred when Ms. Bennett was proceeding east bound on Prytania Street and failed to stop at the stop sign governing the said intersection, thereby striking Mr. Maney's vehicle and causing his injuries and damages. At the time of the incident, Ms. Bennett was insured by a liability policy issued by State Farm Mutual Automobile Insurance Company (State Farm) which provided for bodily injury limits of $25,000 per person and $50,000 per accident. Chicago was the uninsured motorist carrier for Mr. Maney.

Plaintiff filed a Petition for Damages against Ms. Bennett, State Farm and Chicago on October 18, 1996, alleging that Ms. Bennett was negligent in the operation of her vehicle. Chicago answered the petition and then filed a Motion for Summary Judgment on December 6, 1996, alleging that Mr. Maney rejected the uninsured motorist coverage under his policy with Chicago. Mr. Maney, in response to the Motion for Summary Judgment, filed a Cross Motion for Summary Judgment against Chicago on January 16, 1997, stating that the uninsured motorist (UM) rejection form was illegal and invalid because it did not contain the effective date of the rejection, the particular policy to which it referred nor the name of the insurance company. Mr. Maney further argued that the missing information was necessary to execute a valid rejection form under LSA-R.S. 22:1406(D)(1)(a).

On January 28, 1997, the trial court admitted into evidence an affidavit from Mr. Taeil Chun, an insurance agent with Plus Insurance Agency, which stated that Mr. Chun assisted Mr. Maney in obtaining a liability policy with Chicago bearing the policy number PA12013992, and effective dates from November 22, 1995, to May 22, 1996. The affidavit went on to state that Mr. Maney was offered uninsured motorist coverage equal to or lower than his bodily injury liability limit and uninsured motorist property damage coverage, but such coverage was rejected by Mr. Maney altogether. Mr. Maney objected to the entry of the affidavit stating that the use of the affidavit to "enlarge, alter or vary the terms of the rejection form" was in violation of LSA-C.C. art. 1848.

The trial court ruled in favor of Chicago stating in its reasons for judgment that "[u]nder Tijerina v. Stawecki, 670 So.2d 792 (La.App. 3 Cir.1996), parole evidence may be introduced to prove when a[UM] rejection was signed and to which policy it applied." Mr. Maney filed a Motion for Devolutive Appeal on February 18, 1997, stating that the lower court erred in granting Chicago's motion for summary judgment.

ASSIGNMENTS OF ERROR 1 and 2

In his first two assignments of error, Mr. Maney argues that the trial court erred in admitting parol evidence to establish when the UM rejection form was signed, the name of the insurer and the effective date of the rejection. He also contends that the UM rejection form was invalid under La. R.S. 22:1406(D)(1)(a)(i), and the use of extrinsic evidence to supplement the waiver violated the holding in Roger v. Estate of Moulton, 513 So.2d 1126 (La.1987). We disagree.

Louisiana Civil Code article 1848 states:
Testimonial or other evidence may not be admitted to negate or vary the contents of an authentic act or act under private signature. Nevertheless, in the interest of justice, that evidence may be admitted to prove such circumstances as a vice of consent, or a simulation, or to prove that the written act was modified by a subsequent and valid oral agreement. (Emphasis added).

In the case sub judice, Mr. Maney contends that the UM rejection form did not contain three very critical pieces of information which are necessary to execute a valid UM rejection of uninsured motorist coverage in Louisiana: the effective date of the waiver of UM coverage, the particular insurance company in whose favor the rejection form was executed, and the specific insurance policy it pertained to. Such information, he argued, is vital when constructing a valid rejection to UM coverage in the State of *154 Louisiana as mandated by LSA-R.S. 22:1406(D)(1)(a).

The Louisiana UM statute, contained in R.S. 22:1406(D)(1)(a)(i), provides the following:

No automobile liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle designed for use on public highways and required to be registered in this state or as provided in this Subsection unless coverage is provided therein or supplemental thereto, in not less than the limits of bodily injury liability provided by the policy, under provisions filed with and approved by the commissioner of insurance, for the protection of persons insured thereunder who are legally entitled to recover nonpunitive damages from owners or operators of uninsured or underinsured motor vehicles because of bodily injury, sickness, or disease, including death resulting therefrom; however, the coverage required under this Subsection shall not be applicable where any insured named in the policy shall reject in writing, as provided herein, the coverage or selects lower limits. In no event shall the policy limits of an uninsured motorist policy be less than the minimum liability limits required under R.S. 32:900. Such coverage need not be provided in or supplemental to a renewal, reinstatement, or substitute policy where the named insured has rejected the coverage or selected lower limits in connection with a policy previously issued to him by the same insurer or any of its affiliates. The coverage provided under this Subsection may exclude coverage for punitive or exemplary damages by the terms of the policy or contract. (Emphasis added).
* * * * * *

1406(D)(a)(ii):

After September 1, 1987, such rejection or selection of lower limits shall be made only on a form designed by each insurer. The form shall be provided by the insurer and signed by the named insured or his legal representative. The form signed by the named insured or his legal representative which initially rejects such coverage or selects lower limits shall be conclusively presumed to become a part of the policy or contract when issued and delivered, irrespective of whether physically attached thereto.

The statute does not state how the rejection of UM coverage should be written or what information should be included therein, therefore we must look to the jurisprudence to determine the substance of a valid UM rejection and whether parol evidence was warranted to supplement the waiver.

Accordingly, to effect a valid rejection of the UM coverage under La. R.S.

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Cite This Page — Counsel Stack

Bluebook (online)
703 So. 2d 152, 1997 WL 720954, Counsel Stack Legal Research, https://law.counselstack.com/opinion/maney-v-bennett-lactapp-1997.