Thoens v. Safeco Insurance

356 P.3d 91, 272 Or. App. 512, 2015 Ore. App. LEXIS 881
CourtCourt of Appeals of Oregon
DecidedJuly 22, 2015
Docket091116530; A150983
StatusPublished
Cited by11 cases

This text of 356 P.3d 91 (Thoens v. Safeco Insurance) is published on Counsel Stack Legal Research, covering Court of Appeals of Oregon primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Thoens v. Safeco Insurance, 356 P.3d 91, 272 Or. App. 512, 2015 Ore. App. LEXIS 881 (Or. Ct. App. 2015).

Opinion

WILSON, S. J.

Plaintiff appeals a judgment in an action for personal injury protection (PIP) and underinsured motorist (UIM) benefits arising from a motor vehicle collision in which plaintiffs car was rear-ended. After the collision, plaintiff complained of injuries and received medical care. Defendant, plaintiffs insurer, paid PIP benefits for some of plaintiffs medical care after the collision, but it cut off those benefits after an independent medical examiner concluded that additional treatment that plaintiff received was not reasonable or necessary for injuries sustained in the collision. Plaintiff settled with the driver who rear-ended her for that driver’s liability insurance policy limits and sought additional payments from defendant under her own UIM coverage, which had higher limits. When defendant refused to pay anything under plaintiffs UIM coverage, she brought this action alleging breach of contract with separate claims for failure to pay PIP benefits and failure to pay UIM benefits. The jury found for plaintiff on the PIP claim and for defendant on the UIM claim. Plaintiff appeals the general judgment, seeking reversal of the judgment and a remand for a new trial on her UIM claim.1

On appeal, plaintiff makes four assignments of error. In her first two assignments, she argues that the trial court erred in excluding evidence both of the liability policy limits of the driver who rear-ended her and her own UIM policy coverage limits. In her third assignment of error, plaintiff argues that the trial court erred in allowing one of defendant’s expert witnesses to give testimony that she contends amounted to a comment on her credibility. Plaintiffs fourth assignment of error challenges the trial court’s decision to admit the testimony of a biomechanical engineer that the forces in the collision were insufficient to cause plaintiffs alleged injuries. As explained below, we conclude that, given the way the issues were framed in the trial, the trial court erred in excluding evidence that would have allowed the jury to determine that the driver who rear-ended plaintiff was “underinsured.” Accordingly, we reverse and remand for a new trial on plaintiffs UIM claim. We [514]*514address plaintiffs other assignments of error because those issues may arise on retrial.

I. FACTS

We begin by stating the general facts regarding the collision and the subsequent dispute regarding plaintiffs insurance benefits. We later supplement those facts as necessary in our discussion of plaintiffs assignments of error.

Plaintiff and her husband purchased a motor vehicle insurance policy from defendant Safeco. The policy provided UIM coverage in the amount of $500,000. On November 28, 2007, plaintiff was stopped behind a school bus when another driver (Naylin) rear-ended her car. Following the collision, plaintiff received medical care for headaches, neck pain, pain down her right arm, blurred vision, and balance problems. Her initial treatment was provided by her husband, a chiropractor in whose office she worked. Plaintiff ultimately saw several other doctors and had surgery on four levels of her cervical spine. In addition to the spinal injury, at least some of her treating doctors attributed plaintiffs vision and balance problems to a brain injury and inner ear concussion sustained in the collision. Plaintiffs medical bills following the collision exceeded $200,000.

The liability insurer for Naylin paid plaintiff its policy limits of $50,000 in settlement of her claims against him. As previously noted, plaintiff sought additional payment under her UIM coverage from defendant Safeco, which denied payment. Defendant admitted that Naylin had been negligent and that his negligence caused the collision. It denied, however, that plaintiff had been injured in the collision as she alleged. Plaintiff thereafter filed this action to recover those and other benefits under her policy. As noted above, the jury returned a verdict for plaintiff on her PIP claim and for defendant on her UIM claim. Plaintiff now appeals.

II. DISCUSSION

A. Rulings at trial on insurance coverage

In her first two assignments of error, plaintiff argues that the trial court erred in excluding evidence of Naylin’s [515]*515liability policy limits and evidence of her own UIM policy coverage limits. For the reasons stated below, we agree.

At trial, defendant moved in limine to exclude any evidence of the amount of plaintiffs UIM coverage limits on multiple grounds.2 First, defendant asserted that such evidence was irrelevant because the jury needed to determine only what damages plaintiff incurred as a result of the collision, leaving to the court the calculation of the net judgment as a matter of law. Second, defendant argued that disclosure to the jury of the amount of plaintiffs UIM coverage would be unfairly prejudicial because it would emphasize the presence of insurance in the case (beyond Safeco’s presence as a party) and the amount of the coverage would produce an “anchoring” effect that would tend to drive the jury’s verdict higher than it would be without that evidence.3

Defendant also moved in limine to exclude any evidence of Naylin’s liability policy limits or the fact that those limits had been paid to plaintiff. Again, defendant argued both that the evidence was irrelevant and that any relevance was substantially outweighed by unfair prejudice, confusion of the issues, the potential to mislead the jury, and undue delay. According to defendant, there are many reasons Naylin’s insurer may have paid its liability limits to plaintiff apart from a determination by it that she had sustained serious injuries in the collision. If evidence of the settlement was admitted, defendant contended that it [516]*516would have to call witnesses to explore the other insurance company’s decision-making process.

The trial court granted both of defendant’s motions and excluded any evidence concerning the amount of plaintiffs UIM coverage, the amount of Naylin’s liability coverage, and plaintiffs settlement with Naylin’s insurer.

The trial court described the nature of the trial to the jury venire before prospective jurors were questioned. With regard to the UIM claim, the court said:

“The plaintiff’s second claim for breach of contract alleges that Safeco promised to pay her the uninsured motorist benefits because the driver of the vehicle that collided with her didn’t have adequate insurance himself to fully compensate plaintiff for her alleged damages.
“[S]he alleges that as a result of Safeco’s breach of that policy agreement, she’s been damaged in the full amount of the underinsured motorist benefits that are available to her under her automobile liability policy with Safeco.”4

The trial court gave a similar description of the UIM claim in its preliminary instructions to the jury before opening statements:

“Plaintiffs second breach of contract claim alleges that Safeco promised to pay her underinsured, UIM benefits, because the driver of the vehicle that collided with [plaintiff] *** did not possess adequate automobile liability insurance coverage to fully compensate plaintiff for her damages.

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Cite This Page — Counsel Stack

Bluebook (online)
356 P.3d 91, 272 Or. App. 512, 2015 Ore. App. LEXIS 881, Counsel Stack Legal Research, https://law.counselstack.com/opinion/thoens-v-safeco-insurance-orctapp-2015.