Mid-Continent Group, D/B/A Mid-Continent Casualty and Mid-Continent Insurance v. Kenneth Goode

CourtCourt of Appeals of Texas
DecidedAugust 19, 2011
Docket07-09-00181-CV
StatusPublished

This text of Mid-Continent Group, D/B/A Mid-Continent Casualty and Mid-Continent Insurance v. Kenneth Goode (Mid-Continent Group, D/B/A Mid-Continent Casualty and Mid-Continent Insurance v. Kenneth Goode) 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
Mid-Continent Group, D/B/A Mid-Continent Casualty and Mid-Continent Insurance v. Kenneth Goode, (Tex. Ct. App. 2011).

Opinion

NO. 07-09-0181-CV

IN THE COURT OF APPEALS

FOR THE SEVENTH DISTRICT OF TEXAS

AT AMARILLO

PANEL D

AUGUST 19, 2011

MID-CONTINENT GROUP d/b/a/ MID-CONTINENT CASUALTY & MID- CONTINENT INSURANCE, APPELLANT

V.

KENNETH GOODE, APPELLEE

FROM THE 72ND DISTRICT COURT OF LUBBOCK COUNTY;

NO. 2006-536,112; HONORABLE RUBEN REYES, JUDGE

Before QUINN, C.J., and CAMPBELL and PIRTLE, JJ.

MEMORANDUM OPINION

Appellant, Mid-Continent Group d/b/a Mid-Continent Casualty & Mid- Continent Insurance, appeals from a judgment entered in favor of Appellee, Kenneth Goode, in an action to recover underinsured/uninsured motorist (UIM) benefits. In support, Mid-Continent broadly presents three issues: (1) whether Goode's evidence of causation between an automobile accident and his cervical injury is legally and factually sufficient; (2) whether Goode's evidence of the reasonableness and necessity of his medical care is legally and factually sufficient; and (3) whether legally sufficient evidence supports Goode's right to recover under the UIM provisions of his policy with Mid-Continent. We affirm.

Background

On April 5, 2003, Goode's pickup was struck by another vehicle. After being struck, Goode attempted to protect and stabilize himself by holding onto the steering wheel with his left hand. During the accident investigation he told police officers that he was having trouble with his left arm and shoulder. His shoulder eventually required surgery; however, his pain persisted and in 2006 a cervical injury was diagnosed. Mid- Continent, Goode's UIM insurance carrier, disputed whether the cervical injury resulted from the 2003 accident. Unable to reach an agreement as to damages, on August 10, 2006, Goode filed this action to recover under the UIM provisions of an insurance policy issued by Mid-Continent.

Pretrial Hearings

There were three pretrial hearings in this case. At a pretrial hearing held September 14, 2007, the trial court proposed two methods of trying the case. The first method involved trying liability and damages, essentially a lawsuit against an insurance company. The second method involved treating the action like a regular automobile accident case, a lawsuit of one driver against the other. During an exchange between the parties, the following occurred:

GOODE'S COUNSEL: And [Mid-Continent's counsel] brought up a good thing. I was about to address the Court with regard to bringing the contract in, talking about the permission, talking about the underinsured issues. Do I have the burden of proving that contractual relationship, or are we just going to go straight into the PI [personal injury] case?

THE COURT: Are you contesting that?

MID-CONTINENT'S COUNSEL: I am not contesting the contract. No, I am not contesting that coverage would lie under the circumstances. Basically, we are -- [Goode's counsel] and I agree that it is a pretty simple issue. I am really not contesting liability, other than I am contesting causation, and we will kind of get into that with these experts.

THE COURT: Right. And it is just like a regular car wreck. I mean, take the insurance element out of this, as far as an underinsured claim. There was an accident. There was some injury to this part of the body. We don't think the injury to this part of the body is related, and this is why. The delay in treatment -- you know, he didn't even claim he was injured at that point, whatever. It doesn't make any difference.

One year later, during the pretrial hearing that occurred on September 19, 2008, the parties continued their discussion as to whether to try the case as a contract case or a personal injury case:

THE COURT: All right. Anything else we need to deal with, with regard to the depositions? No? Anything else we need to deal with, with regard to the Charge?

MID-CONTINENT'S COUNSEL: Judge, the only thing I have a question about is, and, we mentioned it a year ago, and I can't remember what all we've talked about, about how to try this case, and we have set it up in our Court's Charge, to try Kenneth Goode as Plaintiff, versus the driver, William Lee Harris, and try the car wreck case. We are going to admit liability. So [Goode's counsel] doesn't have to prove up anything regarding liability. It's just a damage issue case, with a credit at the end, with the stipulation from [Goode's counsel]. I think we may have done that. We probably need to do that again. The policy limits were paid at $50,000, on behalf of William Lee Harris' insurance company for -- to Mr. Goode on the original claim.

THE COURT: So you are wanting to try it as -- repeat the first part of what you told me, to make sure I've understood what you said.

MID-CONTINENT'S COUNSEL: That we are trying it as a separate or accident case, Mr. Goode against the driver that caused the accident, instead of a contract claim against Mid-Continent Insurance Company.

* * *

THE COURT: Let me help you there. Normally, in these underinsured/uninsured cases, the only issue for the jury to establish is liability and then the amount of damages. Here, the defense is apparently stipulating to liability. So the only issue is the amount of damages, okay?

THE COURT: Okay. With regard to the Charge, then, since you are going to stipulate as to liability, we are simply going to have then a question on damages, right, one-question charge on damages?

GOODE'S COUNSEL: On past and present.

MID-CONTINENT'S COUNSEL: That is right. I mean, we were going to stipulate, I think -- I mean, just to be consistent, we are going to go ahead and stipulate anyway. But we are trying a car wreck case, one party against the other. But I don't think it is going to matter. I am not going to try this case on liability. So we are going to stipulate as to liability.

THE COURT: Okay.

(Emphasis added).

A third pretrial hearing was held on the day of trial.

Trial

A jury trial of Goode's action commenced on September 22, 2008. The evidence showed that, immediately following that April 2003 automobile accident, Goode complained of pain in his shoulder.[1] His physician, Dr. Chavez, referred him to Dr. Nordyke, an orthopedic surgeon. When he initially visited Dr. Nordyke, Goode complained only of pain in his shoulder and denied any pain in his neck. After examination, Dr. Nordyke concluded from Goode's MRI scan and symptoms that he was suffering from a rotator cuff injury and SLAP tear[2] or torn cartilage to his shoulder.

In September 2003, Goode underwent surgery to repair his shoulder injury. Dr. Nordyke subsequently described the surgery as successful and anticipated that Goode's recovery would last four to six weeks. That same month, Goode was diagnosed with prostate cancer. In early October, Dr. Nordyke became concerned because Goode continued to experience pain in his shoulder. By late October, Goode's shoulder was stiff and he was at the lower end of where Dr. Nordyke expected he would be after rehabilitation or physical therapy. Thinking the radiation therapy for the prostate cancer might be affecting Goode's rehabilitation, Dr. Nordyke treated Goode with steroids for frozen shoulder or adhesive capsulitis, i.e., inflammation or tightness in the shoulder. From November 2003 through January 2004, Goode's symptoms persisted and Dr. Nordyke continued Goode's steroid treatment. In February 2004, Goode was doing much better and Dr. Nordyke released him while continuing the steroid treatments for a short period.

Thereafter, Goode continued to work even though he was experiencing pain in his shoulder. He did not return to Dr.

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Bluebook (online)
Mid-Continent Group, D/B/A Mid-Continent Casualty and Mid-Continent Insurance v. Kenneth Goode, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mid-continent-group-dba-mid-continent-casualty-and-texapp-2011.