Rivers v. Brown
This text of 168 So. 2d 400 (Rivers v. Brown) 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.
Opinion
Johnny L. RIVERS, Plaintiff and Appellee,
v.
L. T. BROWN et al., Defendants and Appellants.
Court of Appeal of Louisiana, Third Circuit.
Joseph R. Bethard, Shreveport, for defendants-appellants.
John P. Godfrey, Many, Lowe & Benton, by John B. Benton, Jr., Minden, for plaintiff-appellee.
*401 Before CULPEPPER, SAVOY and HOOD, JJ.
CULPEPPER, Judge.
This is a suit for damages resulting from an assault and battery. Plaintiff alleges he was pistol whipped and kicked by the defendant, L. T. Brown, who was acting as an agent or employee of the defendant, L. T. Brown Contractor, Inc. Defendant, The Travelers Insurance Company, is the liability insurer of L. T. Brown Contractor, Inc. The district judge rendered judgment for plaintiff in the total sum of $3,686. Defendants appealed. Plaintiff answered the appeal praying for an increase in the award.
The first issue is a coverage defense urged by The Travelers Insurance Company. Relevant to this issue is a provision in Insurance Agreement I, Coverage A, of the policy that the insurer agrees "to pay on behalf of the insured all sums which the insured shall become legally" "obligated to pay as damages because of bodily injury * * * sustained by any person and caused by accident." (Emphasis added.) Also, the provisions under paragraph 3(h), which gives definitions, states: "assault and battery shall be deemed an accident unless committed by or at the direction of the insured." (Emphasis added.)
The defendant insurer argues that since L. T. Brown was the president, principal stockholder and superintendent of construction for L. T. Brown Contractor, Inc., any assault and battery committed by Brown was of necessity committed "by or at the direction of the insured'", L. T. Brown Contractor, Inc., and therefore was excluded under the above quoted policy provisions.
Only one Louisiana case has been cited dealing with the question of whether the word "insured" contained in the quoted exclusionary provision refers both to the named insured and an omnibus insured such as L. T. Brown in this case. In Barringer v. Employer's Mutual Liability Insurance Co. (2nd Cir.App.1952) 62 So.2d 173, the named insured was the owner of a taxicab. His employee driver committed assault and battery on a passenger. The exclusionary clause regarding assault and battery was identical to that in the present case. The court held as follows:
"Defendant contends that though the policy expressly provides "assault and battery shall be deemed an accident unless committed by or at the direction of the insured' the definition of `insured' contained in the policy includes the operator of the vehicle, namely an employee, such as Sims in this instance, with the result the operator as well as the insured comes within the exclusion. We reason as did the judge a quo that the clause is in the nature of an omnibus clause, however, we think that the limitation `unless committed by or at the direction of the insured' refers only to the named insured. To otherwise hold would be to render this clause completely ineffective, an end surely not intended by the parties thereto."
The defendant insurer first attempts to distinguish the Barringer case on the grounds that the named insured there was an individual who could have personally committed or directed the assault and battery. Whereas, in the instant case, the named insured is a corporation not capable in itself of committing assault and battery.
This argument has no merit. In this case, like the Barringer case, it was not the named insured but an omnibus insured who assaulted plaintiff. It doesn't matter whether the named insured was a corporation or an individual, the named insured is still legally responsible for the torts of its agents or employees in the course of employment. To exclude assaults committed by or at the direction of an employee would mean that the named insured would be left without any coverage for such acts *402 by its employees. Such an interpretation would defeat the very purpose for which the named insured purchased the insurance, i. e., to protect itself against such wrongful acts by its employees. The only assaults excluded are those committed by or at the direction of the named insured. The assault and battery in this case was committed by L. T. Brown individually, while acting as an agent or employee of the insured corporation and was not committed or directed to be committed by the corporation as such. We find support for this position in the Mississippi case of Western Casualty & Surety Co. v. Aponaugh Manufacturing Co., 5 Cir., 197 F.2d 673.
Defendant insurer next argues there is no coverage here because assault and battery cannot be termed an "accident" as to an injured plaintiff who was the aggressor. Defendant contends the Barringer case, supra, as well as Jernigan v. Allstate Insurance Co. (5th Cir.App.1959) 269 F.2d 353, and the Western Casualty & Surety Co. case, supra, involved situations where the injured plaintiff was not the aggressor and therefore the assault and battery could be termed "an accident" as to him. The short answer to this argument is that under the facts of the present matter, as hereinafter set forth, we do not find the injured plaintiff was the aggressor.
Turning to the merits, the facts show that L. T. Brown Contractor, Inc. was reconstructing and blacktopping a rural road in Sabine Parish. L. T. Brown was in charge of the construction work. Barricades and flagmen were being used to warn motorists not to drive on the portions of the road where blacktop hot mix had been recently poured and was still soft.
Mr. Brown and other defense witnesses testified that on the day in question plaintiff had driven his black and white Chevrolet along this highway three or four times, at a high rate of speed, ignoring the barricades and flagmen and causing damage to newly poured hot mix. Plaintiff denied that he had been on the road that day prior to the trip on which he was stopped and assaulted. Regardless of this contradictory testimony, the facts do show that late in the afternoon of the day in question plaintiff was driving on this road at a moderate rate of speed, of about 40 MPH, a short distance behind Mrs. J. D. Williams and her daughter, Mrs. Eli Ebarb, Jr., who were in another vehicle. When they reached the construction site, L. T. Brown thought that he recognized plaintiff as being the one who had previously caused the damage to the road. Brown got in his truck and overtook plaintiff, cut in front of him and stopped him. Brown then armed himself with a pistol from his truck. Brown says he put the pistol in his pocket. Plaintiff and his witnesses, Mrs. Williams and Mrs. Ebarb, who had stopped for a barricade a few feet ahead of plaintiff's vehicle, testified Brown held the pistol in his hand. Brown then went to plaintiff's automobile, opened the right front door and accused plaintiff of having damaged the new blacktop.
As the trial judge has pointed out, in a very able and well written opinion, the testimony as to what occurred from this point on is very much in conflict. Plaintiff and his witnesses, Mrs. Williams and Mrs.
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168 So. 2d 400, Counsel Stack Legal Research, https://law.counselstack.com/opinion/rivers-v-brown-lactapp-1965.