Ruffin v. Burton

34 So. 3d 301, 2008 La.App. 4 Cir. 0893, 2009 La. App. LEXIS 998, 2009 WL 1476994
CourtLouisiana Court of Appeal
DecidedMay 27, 2009
Docket2008-CA-0893
StatusPublished
Cited by5 cases

This text of 34 So. 3d 301 (Ruffin v. Burton) 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.

Bluebook
Ruffin v. Burton, 34 So. 3d 301, 2008 La.App. 4 Cir. 0893, 2009 La. App. LEXIS 998, 2009 WL 1476994 (La. Ct. App. 2009).

Opinion

DENNIS R. BAGNERIS, SR., Judge.

|, The appellants, Gregory Burton, the Sewerage and Water Board of New Orleans and Clarendon American Insurance Company, appeal the judgment of the district court in favor of the plaintiff/appellee, Robin Y. Ruffin, awarding Ms. Ruffin $125,000 for her pain and suffering, $8,666 for her medical expenses and $2500 for her lost wages, court costs and interest. For the following reasons, we amend a portion of the judgment and affirm the judgment of the district court as amended.

Facts

The facts of this case are not in dispute. On November 14, 2005, Ms. Ruffin was traveling on Behrman Highway in Orleans parish when a truck operated by Sewerage and Water Board employee, Gregory Burton, crossed lanes into oncoming traffic and struck Ms. Ruffin’s vehicle on the passenger side. At the time of the accident, Mr. Burton was in the course and scope of employment with the Sewerage and Water Board. Ms. Ruffin refused emergency medical treatment and subsequently sought the care of different physicians with complaints of neck |Pand shoulder pain. Ms. Ruffin was born with an elevated right scapula known as Srengel’s Deformity for which she previously underwent yearly evaluations of her shoulder, but had not been evaluated since 1976. She was also in a series of accidents, but remained asymptomatic for four and a half years prior to the accident.

Procedural History

Ms. Ruffin filed suit against Gregory Burton, now deceased, the Sewerage and Water Board of New Orleans, and Clarendon American Insurance Company. In a judgment dated April 17, 2008, the district court awarded Ms. Ruffin as follows: $125,000 for her pain and suffering, $8,666 for her medical expenses and $2,500 for her lost wages, court costs and interest. It is from this judgment that the appellants take the instant appeal.

Assignments of Error

The appellants argue the following assignments of error: (1) the trial court erred in rendering judgment against Clarendon American Insurance Company; (2) the trial court erred in ruling that Ms. Ruffin’s neck condition resulted from the accident of November 14, 2005; (3) the trial court erred in refusing to allow the pre-accident records of Dr. Rochon into evidence; and (4) the trial court erred in awarding $125,000 to Ms. Ruffin in general damages. In addition to the appellant’s assignments of error, they offer eleven issues for this Court to review. The issues for review are specific in nature and are encompassed within the appellant’s argument; therefore, we will not address them separately.

^Assignment of Error # 1

The appellants argue that the precise language of the Clarendon American insurance policy as to the coverage for Sewerage and Water Board applies only *303 when there is an excess of the retained amount of $200,000 and that the award of $136,166, which is well below the $200,000 threshold, is solely the responsibility of the Sewerage and Water Board.

Ms. Ruffin agrees with the argument of the appellant. She too maintains that “the trial court erred in rendering judgment against defendant, Clarendon American Insurance Company, because its insurance policy is subject to a self-insured retention of $200,000 per occurrence, which is the responsibility of defendant, sewerage and water board.”

The policy reads as follows:

This policy applies [in] access of a retained amount is the responsibility of the insured and it is to be paid from the insured’s own account
SECTION III-RETAINED AMOUNT SECTION III
A. The Limit of Insurance for this policy applies only in excess of the Retained Amount shown in the Declarations.
B. The Retained Amount shall be applied to each Accident only against damages and Claims Expense for Bodily Injury and Property Damage for which coverage is afforded by this policy
C. The Retained Amount shall not include any amounts for damages or Claims Expense from an Accident that takes place prior to or subsequent to the policy period shown in the Declarations.

The plain language of the policy clearly states that the limit of insurance is $1,000,000 per accident, subject to a “Retained Amount” of $200,000. There is no ^question that the Sewerage and Water Board is solely responsible for the first $200,000. Therefore, we amend the judgment of the district court rendering judgement against Clarendon American insurance Company and the Sewerage and Water Board in the amount of $125,000 to be rendered against the Sewerage and Water Board, individually.

Assignment of Error # 2

The appellants maintain that the medical records submitted into evidence fail to support specific complaints of neck pain by Ms. Ruffin. They support their argument by pointing out that the doctors failed to indicate neck pain in their charts after different visits from Ms. Ruffin and that Dr. Chambers testified that he ordered an MRI because he did not think that it would come back with anything positive. To further their argument, the appellants maintain that Ms. Ruffin secured a job as a home health aid where she lifts and bathes patients at Touro Infirmary.

Ms. Ruffin submits that the medical records clearly indicate that she was complaining of neck and back pain and receiving treatment for both. She does admit that she indicated that in her Touro job questionnaire that she thought “back, spine or neck pain” referenced any surgical procedures or conditions that would prevent her from working.

In Dixon v. Travelers Ins. Co., 02-1364, pp. 8-9 (La.App. 4 Cir. 4/2/03), 842 So.2d 478, this court held that:

A plaintiff in a tort case has the burden of proving by a preponderance of the evidence that the accident more probably than not caused the claimed disabling condition. Jones v. Peyton Place, Inc., 95-0574, p. 12 (La.App. 4 Cir. 5/22/96), 675 So.2d 754, 763. This burden is satisfied if medical evidence is presented establishing that it is more probable than not that the claimed condition was caused by the accident. Id. at p. 13, 675 So.2d at 763.
*304 In meeting this burden, a plaintiff may be aided by a presumption of causation “if before the accident the injured person was in good health, but commencing with the accident the symptoms of the disabling condition appear and continuously manifest themselves afterwards, providing that the medical evidence shows there to be a reasonable possibility of causal connection between the accident and the disabling condition.” Id. (citing Housley v. Cerise, 579 So.2d 973, 980 (La.1991)). This so-called Housley presumption, however, is not absolute; the defendant may rebut it by showing that some other particular incident could have caused the disabling condition. 19 Frank L. Maraist, Louisiana Civil Law Treatise: Evidence and Proof, § 4.3 (2001 Supp.)(citing Simon v. United States, 51 F.Supp.2d 739 (W.D.La.1999)). The Simon

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34 So. 3d 301, 2008 La.App. 4 Cir. 0893, 2009 La. App. LEXIS 998, 2009 WL 1476994, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ruffin-v-burton-lactapp-2009.