McDonald v. Zurich General Acc. Liability Ins. Co.

25 So. 2d 923, 1946 La. App. LEXIS 412
CourtLouisiana Court of Appeal
DecidedApril 25, 1946
DocketNo. 6901.
StatusPublished
Cited by13 cases

This text of 25 So. 2d 923 (McDonald v. Zurich General Acc. Liability Ins. 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
McDonald v. Zurich General Acc. Liability Ins. Co., 25 So. 2d 923, 1946 La. App. LEXIS 412 (La. Ct. App. 1946).

Opinion

This suit is against Gilbert Oil Company and Carl Chapman, its truck driver and the *Page 924 company's public liability insurer, Zurich General Accident and Liability Insurance Company, Ltd., as the result of an accident involving a Ford Tudor sedan belonging to plaintiff and a Chevrolet tank truck belonging to the defendant Gilbert Oil Company.

Defendants are appealing from a judgment rendered against them in solido by the lower court, for $400, on a demand by plaintiff for judgment for $1,060.86 itemized as follows:

Damage to car $351.26 Medical Expenses 100.00 Lost time from work 62.10 Taxicab fares 8.00 Bus fares 31.50 Telephone calls 8.00 Physical pain and suffering 500.00 ------- $1,060.86

Plaintiff as answered the appeal, praying that the award be increased to $1,000.

Plaintiff alleges that the accident happened in the following manner:

That on or about March 23, 1945, in the morning, he was driving north through the Town of Wisner on Highway No. 15, in a careful, cautious manner at a moderate rate of speed, on the right or east side of the highway, when his car was struck by the truck while it was being driven by defendant Chapman, who was at the time engaged in the scope of his employment with defendant Gilbert Oil Company. He alleges that at the time of the accident there was in force a policy of insurance issued by the defendant insurance company, by the terms of which it obligated itself to pay for all damages and injuries arising from the operation, maintenance or use of the truck. He alleges amicable demand without avail.

He also alleges that just prior to the accident the truck was being driven in a southerly direction on Highway No. 15 at a moderate rate of speed, on its right or west side of the highway and his car and the truck were approaching each other, with each on its right or proper side of the highway, without any indication to plaintiff of impending danger; that as he was approaching the truck in close proximity to it, the driver suddenly and without any warning, and where there was no intersecting street or road, swerved the truck sharply to its left, putting it in plaintiff's lane of travel; that he was keeping a proper lookout and as soon as he saw this sudden move he applied his brakes and otherwise attempted to avert a collision, but was so close that he was unable to do so; that prior to and at the time of the collision his car was entirely on its right side of the highway; that he was in no wise at fault, and the accident was caused solely by the gross carelessness and negligence of the driver of the truck; that as a result of the collision he was badly shaken up and bruised, and his wife, who was riding in the car with him, was seriously and permanently injured, for which she has a suit pending in Federal Court; that he has had medical expense for treating his wife, lost three days from work, paid repair bill for his car and was forced to pay bus and taxi fares and further expenses as itemized above.

Defendants answered, admitting that Chapman was employed by Gilbert Oil Company and was engaged in the scope of his employment at the time of the accident, and admitted insurance covering the truck. They denied all allegations of negligence, and alleged that Chapman was moving on the extreme right-hand side of the highway at approximately five miles per hour, when he reached a point opposite Gilbert Oil Company's bulk plant, and at that time gave a manual left turn signal, looked both north and south and saw no vehicle approaching from either direction that could possibly interfere with his left turn; that as his truck was at about a ninety degree angle across the highway it was suddenly and violently struck by plaintiff's car with such force that it bent a three inch pipe on the grill guard five and three-quarters inches out of line, shattered the right headlight, crushed the right fender and broke the braces supporting the grill guard; that plaintiff's car was moving north on the highway and had just completed a rather sharp turn in the highway some 400 feet south of the point of the accident; that at the time Chapman commenced his left turn, *Page 925 plaintiff's car was not within view; that plaintiff was driving at such a high and dangerous rate of speed that his car was out of control, and after the brakes had been applied it skidded some 45 feet prior to striking the truck.

They also say that the main street of Wisner, also designated as Highway No. 15, is paved with concrete 36 feet wide and is a four lane highway through the town of Wisner, and that there is additional room available for the use of traffic and at the point of collision there was sufficient room for plaintiff's car to have passed around the truck, either to the right or to the left; that there is no obstruction of view for some 400 feet south of the scene of the accident; that just south of the curve, on the right side of the road, in the corporate limits of Wisner, is a large sign warning motorists that the speed limit is 20 miles per hour; that they believe the speed of plaintiff was at least 50 miles per hour, which was illegal and dangerous; that plaintiff had the last clear chance to prevent the accident as there was room for him to pass on either the right or left of the truck and there existed full opportunity for plaintiff to have discovered the peril of the situation he was creating, and to have brought his car under control and to a stop; that plaintiff admitted his negligence immediately after the accident, in the presence of witnesses, and said he had seen the speed sign and was driving in excess thereof at the time he applied his brakes.

In the alternative, and only in the event the court should find Chapman in any manner negligent, they plead contributory negligence of plaintiff in the following manner:

1. In driving at a dangerous rate of speed in violation of Municipal Ordinance No. 123 of the Town of Wisner, Louisiana, and/or the State Highway Regulatory Act; failing to keep proper lookout; failing to use ordinary care; failing to observe the perilous situation he was creating.

2. Failing to reduce his speed to comply with the provisions of law; failing to bring his car under control or to a stop; failing to timely apply his brakes; failing to pass to the right or left of the truck; refusing to accept the last clear chance to avoid the accident.

3. Failing to keep proper lookout in a situation of peril and in a heavy highway curve as to which he was fully informed; failing to observe an obvious danger.

On these issues the case went to trial, and for reasons orally assigned, the lower court awarded plaintiff judgment for $400.

From the record the following facts are admitted or proven by a clear preponderance of the evidence.

The collision occurred at about 9:45 o'clock a.m. on March 23, 1945. The weather was somewhat cloudy, but visibility was good and the road dry. Highway No. 15, running approximately north and south, is also the main business street of the Town of Wisner. Through the business section the concrete is 36 feet wide. From the scene of the accident the road is straight for some 400 feet to the south where there is a slight "S" curve.

On the morning of the accident plaintiff was driving north in the Ford Tudor sedan, with his wife in the car with him, at a speed of approximately 30 miles an hour. Chapman was driving the tank slowly south, intending to make a left or a "U" turn to get to the bulk plant of his employer. Each vehicle was at that time on its right-hand side of the road.

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Bluebook (online)
25 So. 2d 923, 1946 La. App. LEXIS 412, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mcdonald-v-zurich-general-acc-liability-ins-co-lactapp-1946.