Mitchell Meredith and Sarah Ashley Meredith, individually and on behalf of Sarah Grace Meredith v. Garrison Property and Casualty Insurance Company

Louisiana Court of Appeal·Decided July 25, 2024·No. 2023CA1079·Unknown

Opinion

NOT DESIGNATED FOR PUBLICATION STATE OF LOUISIANA

COURT OF APPEAL

FIRST CIRCUIT

lJ; ~ }f 2023 CA 1079

'h .MITCHELL MEREDITH AND SARAH ASHLEY MEREDITH, Plt INDIVIDUALLY AND ON BEHALF OF SARAH GRACE MEREDITH

VERSUS

GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY

DATE OF JUDGMENT:

JUL 2 5 2024

ON APPEAL FROM THE NINETEENTH JUDICIAL DISTRICT COURT PARISH OF EAST BATON ROUGE, STATE OF LOUISIANA NUMBER 678153, SECTION 23

HONORABLE MARTINE. COADY, JUDGE AD HOC

******

Sean D. Fagan Counsel for Plaintiffs-Appellants Baton Rouge, Louisiana Mitchell M.eredith and Sarah Ashley Meredith, Individually and on Behalf of Sarah Grace Meredith

Michael M. Thompson Counsel for Defendant-Appellee Baton Rouge, Louisiana Garrison Property and Casualty Insurance Company

H. Minor Pipes, III Stephen L. Miles Catherine F. Giarrusso New Orleans, Louisiana

******

BEFORE: GUIDRY, CJ., CHUTZ, AND LANIER, JJ.

Disposition: AFFIRMED.

CHUTZ,J.

In this suit for damages arising from a vehicular accident, plaintiffs, Mitchell and Sarah Ashley Meredith, individually and on behalf of their minor child, Sarah Grace, appeal a judgment dismissing their claims against defendant, Garrison Property and Casualty Insurance Company ("Garrison"). We affirm.

FACTUAL AND PROCEDURAL filSTORY While driving to New Orleans to attend a rehearsal dinner on January 13, 2017, Mr. Meredith was involved in a vehicular accident ("the accident"). Mr. Meredith was driving his SUV eastbound in the right lane of 1-10 while Arnulfo Reyes was driving a Toyota Camry in the adjacent left lane. Mr. Reyes suddenly veered his vehicle into the right lane and struck the driver's side of Mr. Meredith's vehicle. Mr. Reyes was attempting to avoid striking the rear of a truck that had stopped in front of him in the left lane after having a tire blowout. Neither driver lost control of their vehicle, and they each came to a stop on the shoulder of 1-10 where they waited for the police to arrive. No airbags deployed during the incident.

Mr. Meredith testified he began to feel stiff at the scene of the accident. After giving his statement to the police, he proceeded to New Orleans in his SUV to meet his wife at the rehearsal dinner. The next day, Mr. Meredith and his wife attended the wedding and reception. Although Mr. Meredith stated he was feeling stiff in the neck, back, and shoulders, he danced with his wife at the reception.

Mr. Meredith first consulted a physician several days later, on January 17, 2017, complaining of headaches and pain in his neck, lower and middle back, and left shoulder. He was diagnosed with soft-tissue injuries consisting of cervical, thoracic, and lumbar sprains and associated myofascial pain. He was prescribed a muscle relaxer and ordered to have physical medicine treatment (massage, electrical stimulation, moist heat, and cold packs) three times per week. According to Mr. Meredith, his pain waxed and waned, and he had good and bad days. Several weeks

after the accident, on February 4, 2017, Mr. Meredith and his brother installed a 25-

pound, 12-foot-by-24-foot vinyl billboard in front of the office of their family law firm, requiring the use of a cherry picker to raise the billboard approximately thirty feet above the ground.

In March 2017, Mr. Meredith began physical therapy with Mr. R~bert Montanaro, who was accepted at trial as an expert in the field of physical therapy.

Mr. Meredith continued physical therapy with Mr. Montanaro until July 2017, reporting varying levels of pain on each visit. On a questionnaire he completed at his March 3 session, Mr. Meredith indicated he was able to lift heavy weights, although it caused extra pain to do so. On that date, Mr. Meredith further reported he had increased pain after lifting weights and doing squats. In subsequent visits in March and May 2017, respectively, he also reported experiencing increased pain after incidents where he helped move office furniture by pushing it on a dolly and stood for hours painting his office and doing trim work.

On June 7, 2017, a straight leg raise test performed by Mr. Montanaro was positive and caused pain in the area of Mr. Meredith's left buttock, which was a change from the original test performed in March 2017. During this visit, Mr.

Meredith complained for the first time of experiencing pain radiating down his left leg. Medical testimony presented at trial indicated his leg pain, called radiculopathy, was caused by a lumbar disc injury. Mr. Montanaro testified he believed it was more likely than not Mr. Meredith's continued complaints were caused by the accident.

On June 20, 2017, Mr. Meredith consulted Dr. Jorge Isaza, an orthopedic :~; surgeon specializing in spine surgery. In contrast to March 2017, Mr. Meredith indicated pain now prevented him from lifting heavy weights. An MRI taken on June 6, 2017, revealed a left-sided disc herniation at L4-L5 compatible with an · annular tear. Dr. Isaza ordered continued physical therapy and referred Mr.

.. 3

Meredith to another physician for the first of several epidural steroid injections he was to receive.

Because the injections gave Mr. Meredith some relief, there were extended periods during which he received no treatment for his back, including one period in excess of a year. Eventually, Mr. Meredith was dissatisfied with the extent of relief obtained and discussed several alternate treatment options with Dr. Isaza, including a disc replacement. Dr. Isaza opined it was more likely than not the accident caused Mr. Meredith's L4-L5 disc injury.

In June 2020, almost three and one-half years after the accident, Mr. Meredith sought a second opinion from Dr. Eric Oberlander, a neurologist. Based on an updated l\.1RI, Dr. Oberlander recommended Mr. Meredith undergo a fusion at L4- L5. Mr. Meredith elected to forego surgery at that time, testifying the timing was not right because his wife was pursuing an advanced post-graduate degree in law, and they planned to have another child. In February 2022, approximately one month prior to trial, Mr. Meredith scheduled a fusion surgery with Dr. Oberlander for June 1, 2022, explaining his wife was scheduled to graduate in May. Dr. Oberlander testified Mr. Meredith's need to have fusion surgery more likely than not was caused by the accident.

As a result of the accident, Mr. Reyes' liability insurer carrier paid Mr.

Meredith its policy limits of $15,000. Garrison, 1 Mr. Meredith's uninsured/underinsured insurance carrier, also made unconditional tenders to plaintiffs amounting to $54,455, plus $3,944 in medical payments. Therefore, plaintiffs received payments totaling $73,399 in compensation for injuries sustained in the accident.

1 Garrison is a USAA company and/or affiliate of USAA. The parties used the names Garrison and USAA interchangeably throughout trial.

In January 2019, plaintiffs filed suit against Garrison, alleging Mr. Reyes was underinsured, and the tenders made by Garrison were insufficient for the damages sustained. Plaintiffs sought additional damages for Mr. Meredith, loss of consortium damages for Mrs. Meredith and plaintiffs' minor child, and penalties and attorney fees for Garrison's allegedly arbitrary and capacious refusal to tender its policy limits or an amount sufficient for plaintiffs' damages. (R 7-10)

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Mitchell Meredith and Sarah Ashley Meredith, individually and on behalf of Sarah Grace Meredith v. Garrison Property and Casualty Insurance Company, (La. Ct. App. 2024).

Mitchell Meredith and Sarah Ashley Meredith, individually and on behalf of Sarah Grace Meredith v. Garrison Property and Casualty Insurance Company (Mitchell Meredith and Sarah Ashley Meredith, individually and on behalf of Sarah Grace Meredith v. Garrison Property and Casualty Insurance Company) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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