Meg Vincent, Wife of and Louis Keith Vincent Versus National General Insurance Company and Dr. Fredrick Dantagnan IV, on Behalf of the Minor, Jacqueline Dantagnan

CourtLouisiana Court of Appeal
DecidedOctober 9, 2024
Docket23-CA-554
StatusUnknown

This text of Meg Vincent, Wife of and Louis Keith Vincent Versus National General Insurance Company and Dr. Fredrick Dantagnan IV, on Behalf of the Minor, Jacqueline Dantagnan (Meg Vincent, Wife of and Louis Keith Vincent Versus National General Insurance Company and Dr. Fredrick Dantagnan IV, on Behalf of the Minor, Jacqueline Dantagnan) 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.

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Meg Vincent, Wife of and Louis Keith Vincent Versus National General Insurance Company and Dr. Fredrick Dantagnan IV, on Behalf of the Minor, Jacqueline Dantagnan, (La. Ct. App. 2024).

Opinion

MEG VINCENT, WIFE OF AND LOUIS KEITH NO. 23-CA-554 VINCENT FIFTH CIRCUIT VERSUS COURT OF APPEAL NATIONAL GENERAL INSURANCE COMPANY AND DR. FREDRICK STATE OF LOUISIANA DANTAGNAN IV, ON BEHALF OF THE MINOR, JACQUELINE DANTAGNAN

ON APPEAL FROM THE TWENTY-FOURTH JUDICIAL DISTRICT COURT PARISH OF JEFFERSON, STATE OF LOUISIANA NO. 782-360, DIVISION "F" HONORABLE MICHAEL P. MENTZ, JUDGE PRESIDING

October 09, 2024

SUSAN M. CHEHARDY CHIEF JUDGE

Panel composed of Judges Susan M. Chehardy, Marc E. Johnson, and John J. Molaison, Jr.

AFFIRMED SMC MEJ JJM COUNSEL FOR PLAINTIFF/APPELLANT, MEG VINCENT Vanessa Motta

COUNSEL FOR DEFENDANT/APPELLEE, HUDSON SPECIALTY INSURANCE COMPANY Edwin C. Laizer Christopher A. D'Amour Kyle L. Potts Leigh Ann Tschirn Schell CHEHARDY, C.J.

This appeal arises from an auto accident that occurred in 2017 in which

plaintiff, Mrs. Meg Vincent, alleged injuries to her neck, back, and head, including

traumatic brain injuries. At a bench trial conducted over the course of eight days,

the trial court ruled in favor of Hudson Specialty Insurance Company, the

tortfeasor’s excess insurer, finding that the damages threshold had not been met in

order to trigger coverage under Hudson’s umbrella policy. For the reasons that

follow, we affirm the trial court’s judgment.

Facts and Procedural History

On April 16, 2017, a 16-year-old driver turned into the path of Mrs.

Vincent’s vehicle. Ms. Vincent sued the driver’s parent and owner of the vehicle,

Dr. Fredrick Dantagnan IV, and his primary and excess insurers, National General

Insurance Company and Hudson Specialty Insurance Company, respectively. The

matter was initially set for a jury trial. Plaintiffs filed a motion for summary

judgment on the issue of liability, which the trial court denied. This Court heart the

matter on supervisory review, granted plaintiff’s writ application, and reversed the

trial court, granting partial summary judgment on liability in plaintiff’s favor.1

Vincent v. Nat’l Gen’l Ins. Co., 21-227 (La. App. 5 Cir. 10/31/21), 330 So.3d 378,

382. Thus, the only issues remaining for trial were causation and damages.

In May 2021, defendant National General settled Mrs. Vincent’s claims

against it and allegedly sent a letter to the Clerk’s Office at the 24th Judicial

District Court to withdraw its request for a jury trial. Neither Hudson nor Mrs.

Vincent timely sought to reinstate a trial by jury. Faced with a bench trial, Mrs.

1 The original plaintiffs in the lawsuit also included Mrs. Vincent’s husband and children, who were pursuing claims for loss of consortium. Before trial, plaintiffs voluntarily dismissed the Vincent family’s loss of consortium claims, as well as Ms. Vincent’s claims for future lost wages and lost earning capacity. Moreover, the parties stipulated that as an excess insurer, Hudson was entitled to a $500,000 credit due to Ms. Vincent’s settlement with National General, defendant’s primary insurer.

23-CA-554 1 Vincent filed a motion to recuse the trial judge. The Louisiana Supreme Court

appointed an ad hoc judge who, after conducting a hearing, denied plaintiff’s

motion to recuse Judge Mentz. Mrs. Vincent did not seek supervisory review of

that ruling. At the time of trial, the only parties remaining in the lawsuit were Mrs.

Vincent and Hudson.

The trial judge, acting as fact finder, heard testimony from Mrs. Vincent,

Mr. Vincent, and numerous medical professionals. The trial court also reviewed

the depositions of physicians and experts that the parties offered as trial testimony.

Further, the trial court viewed video surveillance of Mrs. Vincent at Mardi Gras

parades in February 2018 and March of 2019 and 2020, which showed her

bending, stooping, raising her hands high in the air, climbing a ladder, wearing a

full backpack over her shoulders and on her back, and performing other activities

without any apparent restrictions.

After considering all the evidence and testimony, the trial court issued a

Judgment and Reasons for Judgment in favor of Hudson. In Reasons for Judgment,

the trial court found that Mrs. Vincent lacked credibility. The trial court stated that

its decision regarding causation was based in part on Ms. Vincent’s failure to

report her preexisting injuries and conditions to the providers who treated her after

the accident, including, among others, Dr. Shamsnia, Dr. Lonseth, and Dr. Bell.

The trial court stated:

Pertinent to this Court’s decision is the fact that plaintiff failed to disclose significant information and evidence about her pre- existing medical conditions to her doctors. Dr. Shamsnia was not provided with any records of Ms. Vincent’s previous symptoms, complaints, or treatment before her motor vehicle accident. Ms. Vincent did not disclose to Dr. Shamsnia her previous neck and back complaints. She failed to tell Dr. Shamsnia that she had experienced headaches before the accident. She also failed to mention that she had episodes of forgetfulness before the accident and was treated by a psychiatrist before the incident.

The trial court continued:

23-CA-554 2 Ms. Vincent was also treated following the accident by a neuropsychologist, Dr. Roberta Bell, for emotional and psychological injuries. However, plaintiff refused to give Dr. Bell her medical records of her previous treatment by Dr. Andrea O’Leary. Dr. Bell asked for the records, but the plaintiff never provided them.

In spite of its determination that Mrs. Vincent lacked credibility, the trial court

found that the April 2017 accident exacerbated Mrs. Vincent’s previous neck

injuries, necessitating the two-level cervical fusion surgery that she underwent in

September 2017. But the trial court also determined that Ms. Vincent’s remaining

physical, mental, and emotional conditions preexisted or were unrelated to the

accident. The court further determined that Ms. Vincent reached “maximum

medical improvement” relative to her cervical injuries and September 2017 fusion

surgery by February 2018.

The trial court awarded $130,000 in general damages for Mrs. Vincent’s

cervical injuries and corresponding surgery. The court also awarded $30,000 for

loss of income between September 2017 and February 2018, when it determined

she reached maximum recovery. Additional special damages were awarded for the

costs of treating Mrs. Vincent’s cervical injuries through February 2018,

amounting to $112,504.63. Ms. Vincent’s total recovery was $272,505.2 The court

did not award any medical expenses for the injuries unrelated to the accident. The

2 The breakdown of the trial court’s total award for general and special damages is:

General Damages/Pain & Suffering: $130,000.00 Loss of Income: $ 30,000.00 Special Damages: Dr. Joseph Stagni: $ 1,068.00 (9 visits, 4/17/17 to 6/5/17) Dr. Michelle LeBlanc $ 8,268.00 (23 visits, 6/21/17 to 2/28/18) Doctor’s Imaging (5/1/17) $ 5,990.00 Diagnostic Imaging $ 2,645.00 Injury Meds (through Feb. 2018) $ 1,271.27 Dr. Lonseth $22,250.00 CVS Pharmacy (Dr. Leichty) $ 88.88 One Spine Institute, LLC $15,673.75 Crescent View Surgery Center $55,250.00 TOTAL: $272,504.63

23-CA-554 3 trial court also determined that where the medical providers’ accounts were sold to

a medical factoring company3 in exchange for guaranteed payment, and no

evidence was offered to prove that Mrs. Vincent remained legally responsible for

the amounts listed on the invoices for One Spine Institute, LLC and Crescent View

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