Vernice Yvette Wilson v. Safeco Insurance Company of Illinois

CourtMichigan Court of Appeals
DecidedNovember 9, 2023
Docket361355
StatusUnpublished

This text of Vernice Yvette Wilson v. Safeco Insurance Company of Illinois (Vernice Yvette Wilson v. Safeco Insurance Company of Illinois) is published on Counsel Stack Legal Research, covering Michigan Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Vernice Yvette Wilson v. Safeco Insurance Company of Illinois, (Mich. Ct. App. 2023).

Opinion

If this opinion indicates that it is “FOR PUBLICATION,” it is subject to revision until final publication in the Michigan Appeals Reports.

STATE OF MICHIGAN

COURT OF APPEALS

VERNICE YVETTE WILSON, UNPUBLISHED November 9, 2023 Plaintiff-Appellant,

v No. 361355 Wayne Circuit Court SAFECO INSURANCE COMPANY OF ILLINOIS, LC No. 20-009333-NI and GABRIELLE NICOLE HILL,

Defendants-Appellees.

Before: LETICA, P.J., and MURRAY and PATEL, JJ.

PER CURIAM.

Plaintiff, Vernice Wilson, appeals as of right the trial court’s grant of summary disposition in favor of defendants Safeco Insurance Company and Gabrielle Hill under MCR 2.116(C)(10). Considering the evidence in the light most favorable to Wilson, we find that the evidence Wilson submitted to the trial court created material questions of fact regarding the nature and extent of her injuries. We reverse and remand for proceedings consistent with this opinion.

I. BACKGROUND

This negligence action arises from a July 24, 2017 chain-reaction motor vehicle accident. Hill’s vehicle collided with a vehicle in the intersection, spun out of control, struck Wilson’s vehicle, and forced Wilson’s vehicle into a fourth vehicle. All four vehicles sustained disabling damage. At the time of the accident, Wilson was insured by Safeco and her policy included uninsured/underinsured motorist coverage.

Emergency medical personnel transported Wilson from the accident scene to a local hospital. Wilson reported to the emergency room medical staff that her vehicle was struck on the driver’s side, but she was able to exit her vehicle on her own and walk. She complained of pain in the back of her head, left side of her neck, right shoulder, and upper back. Wilson underwent a CT scan of her cervical spine and head, and an x-ray of her thoracic spine, all of which were negative for fractures and subluxation. She was diagnosed with a strain resulting from a motor vehicle collision, and instructed to follow-up with her primary care physician.

-1- Two days after the accident, Wilson was examined by Dr. Allan Schwartz at Mercyland Health Services. Wilson complained of constant sharp, shooting neck pain radiating to her upper extremities. She reported that the pain worsened with movement such as bending or rotating the spine, and that neck movement caused headaches. She also complained of constant sharp, shooting pain in her upper and lower back. She reported that the pain worsened with movement such as bending or rotating the spine, and standing for long periods of time. She rated her neck and back pain as an 8 on a scale of 1-10. A physical examination revealed muscle spasms and tenderness in the neck and back, bilateral shoulder tenderness, limited range of motion with pain in her upper extremities, decreased side bending in her neck, and moderately reduced side bending and rotation in her lower back.

Based on the subjective and objective findings, Dr. Schwartz opined that Wilson sustained neck pain, upper back pain, and lower back pain causally-related to the subject motor vehicle accident. Dr. Schwartz referred Wilson to physical therapy three times weekly for four weeks to address her pain, inflammation, muscle spasms, and decreased range of motion. As a result of Wilson’s injuries, Dr. Schwartz concluded that Wilson was “disabled from any gainful employment . . . for 4 weeks[.]” He further opined that Wilson could not do housework for four weeks, and was unable to drive for four weeks.

Wilson underwent several magnetic resonance imaging (MRI) tests on September 20, 2017. Relevant to this appeal, the cervical MRI showed disc herniations at C4-C5, C5-C6, and C6-C7. It also showed multilevel neural foraminal narrowing from disc and facet changes in the mid-cervical spine, as well as straightening of the normal lordotic curve. The lumbar MRI showed a “[g]rade-1 anterolisthesis [of] L4 on L5” with a “mild diffuse disc bulge at this level.” The thoracic MRI was normal.

On December 1, 2017, Wilson underwent a lumbar epidural steroid injection at L5-S 1 by Dr. Pribil. In January 2018, Dr. Pribil reviewed Wilson’s 2017 cervical and lumbar MRIs. Dr. Pribil opined that the cervical MRI revealed

evidence of disc herniation starting at C4-5, C5-6 and C6-7. The patient has compression of the disc space at C5-6 and C6-7 maximal. Neural foraminal narrowing is significant at C4-5 central to the right, diffuse. At CS-6, there is bilateral neural foraminal narrowing with diffuse indentation into the central aspect of the spinal canal. There is deformation of the spinal cord itself at C6-7 as well as bilateral neural foraminal narrowing.

Dr. Pribil recommended that Wilson undergo a total disc replacement at C4-5, C5-6, and C6-7.

Dr. Pribil opined that Wilson’s lumbar MRI revealed

desiccation and dehydration starting at the L2-3 and L3-4 levels. She has a disc herniation diffuse with bilateral neural foraminal narrowing at L4-5 and L5-S1. There is bilateral neural foraminal narrowing facet hypertrophy particularly at the L4-5 level right equal left. At L5-Sl, it is bilateral equal with a slight left-side preponderance narrowing and effacement of the ganglion on the left at L5-S1.

-2- Dr. Pribil recommended that Wilson undergo a bilateral neural foraminotomy at the L4-5 and L5- S1 levels. Dr. Pribil performed a second lumbar epidural steroid injection at L5-S1 on January 19, 2018. Wilson had a third lumbar epidural steroid injection at L4-L5 on August 29, 2018 by Dr. James at Mercyland. Dr. James also performed at least two cervical epidural steroid injections at C5-C6.

On January 10, 2019, Wilson presented to Dr. Lucia Zamorano, a neurosurgeon, for a consult at the request of Mercyland Health Services. She complained of sporadic throbbing, aching, headaches at the base of her skull or the orbital region. She reported dizziness with certain movements, loss of balance, and exacerbated memory issues. She also complained of shooting, bilateral neck pain radiating to both shoulders that she rated at a 7 on a scale of 1-10. She further reported constant, achy lower back pain that she rated at a 3 on a scale of 1-10. Although the back pain previously radiated to both legs, she denied any radiating leg pain when Dr. Zamorano examined her. She complained that her back pain was exacerbated with flexion, hyperextension, and rotation of the torso. Although Wilson admitted that she suffered neck and back pain as the result of a 2009 motor vehicle accident, she reported that pain resolved after she completed physical therapy. Dr. Zamorano made the following findings during his physical examination: (1) “paravertebral muscle spasm and tenderness with palpation of the cervical, and lumbar spine[;]” (2) “limitation of range of motion of the lumbar spine in flexion, extension and lateral bending[;]” (3) “limitation in the range of motion of the cervical spine, including flexion, extension and lateral rotation.” Dr. Zamorano noted that the cervical MRI showed herniations at several levels and the lumbar MRI showed “a disc herniation of about 1 cm and anterolisthesis at L4-L5.” He ordered additional diagnostic testing to determine whether Wilson was a candidate for an anterior cervical discectomy and fusion. He also “prescribed and fitted [Wilson] with a cervical collar and lumbosacral orthotic to help manage pain by restricting mobility.”

Wilson filed suit against defendants.1 Wilson alleged a negligence claim against Hill, whom Wilson maintained was not covered by a policy of no-fault insurance at the time of the accident.2 Wilson further alleged Safeco denied her claim for uninsured/underinsured motorist benefits and refused to arbitrate the claim.

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Bluebook (online)
Vernice Yvette Wilson v. Safeco Insurance Company of Illinois, Counsel Stack Legal Research, https://law.counselstack.com/opinion/vernice-yvette-wilson-v-safeco-insurance-company-of-illinois-michctapp-2023.