Minnesota Life Insurance Co. v. Vasquez

133 S.W.3d 320, 2004 Tex. App. LEXIS 2959, 2004 WL 690835
CourtCourt of Appeals of Texas
DecidedApril 1, 2004
Docket13-02-554-CV
StatusPublished
Cited by17 cases

This text of 133 S.W.3d 320 (Minnesota Life Insurance Co. v. Vasquez) 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
Minnesota Life Insurance Co. v. Vasquez, 133 S.W.3d 320, 2004 Tex. App. LEXIS 2959, 2004 WL 690835 (Tex. Ct. App. 2004).

Opinion

OPINION

Opinion by

Justice GARZA.

Appellee, Elia Vasquez (“Vasquez”), successfully sued appellant, Minnesota Life Insurance Company (“Minnesota Life”), for knowing violations of the Texas Insurance Code 1 and for mental anguish. Ap-pellee alleged that Minnesota Life unreasonably delayed payment on the proceeds of an accidental death policy that insured the life of her deceased husband. Minnesota Life contended that the cause of death was not clearly accidental and the delay was caused by its need to obtain additional medical records. The hospital from which the records were sought was unresponsive and did not turn over the requested documents to Minnesota Life for five months. Upon receipt of these records, Minnesota Life paid Vasquez’s claim.

Minnesota Life tried unsuccessfully to remove the case to federal court under diversity jurisdiction, but removal was denied based on the failure of the pleadings to meet the amount in controversy requirement of $75,000. After a trial in the state court, the jury found a knowing violation of the insurance code and that Vasquez had suffered mental anguish. The jury awarded her $60,000 in mental anguish damages, $250,000 in actual damages, and $37,000 in attorney’s fees. The trial court allowed a post-verdict amendment of Vasquez’s pleadings to conform to the jury award and ultimately rendered an award of $180,000 plus attorneys fees against Minnesota Life.

Minnesota Life appeals to this Court, raising six issues: (1) legal and factual insufficiency of the evidence to support a finding of mental anguish; (2) legal and factual insufficiency of the evidence to support the amount of mental anguish damages found; (3) the trial court erroneously admitted evidence of Vasquez’s diabetic condition; (4) the trial court erroneously excluded evidence relating to Vasquez’s conduct; (5) the evidence was legally and factually insufficient to support a finding of a knowing violation of the insurance code; and (6) the trial court erroneously allowed a post-trial amendment of the pleading to conform to the damages awarded. We affirm the judgment of the trial court.

I. Mental Anguish

In its first issue, Minnesota Life contends that there was not legally and factually sufficient evidence to support the jury’s finding that Vasquez suffered men *324 tal anguish. When legal and factual sufficiency issues are raised, this Court first considers the question of legal sufficiency. Glover v. Tex. Gen. Indem. Co., 619 S.W.2d 400, 401 (Tex.1981); Valley Mechanical Contractors, Inc. v. Gonzales, 894 S.W.2d 832, 836 (Tex.App.-Corpus Christi 1995, no writ). To review legal sufficiency, we must look only to the evidence and inferences that tend to support the jury’s findings, disregarding all contrary evidence. Balogh v. Ramos, 978 S.W.2d 696, 701 (Tex.App.-Corpus Christi 1998, pet. denied). If there is more than a scintilla of evidence in support of the finding, this Court may not overturn the jury’s findings for legal insufficiency, regardless of the counter evidence available. Valley Nissan v. Davila, No. 13-00-153-CV, 133 S.W.3d 702, 708, 2003 WL 22070341 at *2, 2003 Tex.App. LEXIS 7844, at * 5 (Corpus Christi Sept. 4, 2003, no pet. h.).

If the evidence is found legally sufficient, the factual sufficiency of the evidence is then considered. For this review, this Court compiles all the evidence in the record and then contrasts the evidence supporting and opposing the finding. Cain v. Bain, 709 S.W.2d 175, 176 (Tex.1986); Valley Mechanical, 894 S.W.2d at 836. We will defer to the jury’s findings unless this review demonstrates that the findings are so against the great weight and preponderance of the evidence as to be unjust and clearly erroneous. Id. To support an award of mental anguish, a party must present either direct evidence of the nature, duration, and severity of her mental anguish, thereby establishing a substantial interruption in her daily routine, or circumstantial evidence of a high degree of mental pain and distress that is greater in degree than mere worry, anxiety, vexation, embarrassment, or anger. Parkway v. Woodruff, 901 S.W.2d 434, 444 (Tex.1995); Valley Nissan, 133 S.W.3d at 716-717, 2003 WL 22070341 at *10, 2003 Tex.App. LEXIS 7844 at *28-*29. If a party’s pre-existing medical condition deteriorates or is compounded because of the torts of another party, the worry and pain associated with the aggravated condition can be considered mental anguish. Powell v. Underbrink, 499 S.W.2d 206, 210-11 (Tex.Civ.App.-San Antonio 1973, no writ); see Southwest Tex. Coors v. Morales, 948 S.W.2d 948, 952-53 (Tex.App.-San Antonio 1997, no pet.) (upholding mental anguish award based on new injury that aggravated existing condition). Mental anguish can be established through testimony from the injured party explaining how she felt and how her life was disrupted. Haggar Apparel Co. v. Leal, 100 S.W.3d 303, 314 (Tex.App.-Corpus Christi 2002, pet. filed) (plaintiff reported insomnia, humiliation, and an inability to function and maintain a normal relationship with her family); Norwest Mortgage Inc. v. Salinas, 999 S.W.2d 846, 862 (Tex.App.-Corpus Christi 1999, pet. denied) (plaintiffs reported insomnia, feelings of physical pain, and an affect on their work and family relationships).

It is apparent from the record that the jury was presented with substantially more than a scintilla of evidence tending to support a finding of mental anguish. Vasquez testified that during the time Minnesota Life was delaying the payment of the accidental death claim, she could not sleep due to the stress from the uncertainty of her financial situation. She was worried about the effect of the delayed payment on the mortgage on her home and felt that her “whole world” had caved in. Although her doctor had told her not to return to work for at least another year because of her various health problems, she was so concerned about the loss of her home that she began looking for work. Vasquez is a diabetic, and she testified that during this waiting period, *325 she experienced an increased blood-sugar level that her doctor attributed to her stress levels. Her blood-sugar levels were sufficiently altered to require a change in her medical regimen, from taking pills to having daily insulin shots. This evidence alone more than satisfies the requirements of legal sufficiency. See Valley Mechanical, 894 S.W.2d at 836; Powell, 499 S.W.2d at 210-11.

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Bluebook (online)
133 S.W.3d 320, 2004 Tex. App. LEXIS 2959, 2004 WL 690835, Counsel Stack Legal Research, https://law.counselstack.com/opinion/minnesota-life-insurance-co-v-vasquez-texapp-2004.