Wessinger v. Fire Insurance Exchange

949 S.W.2d 834, 1997 Tex. App. LEXIS 3735, 1997 WL 401325
CourtCourt of Appeals of Texas
DecidedJuly 18, 1997
Docket05-95-01623-CV
StatusPublished
Cited by33 cases

This text of 949 S.W.2d 834 (Wessinger v. Fire Insurance Exchange) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Wessinger v. Fire Insurance Exchange, 949 S.W.2d 834, 1997 Tex. App. LEXIS 3735, 1997 WL 401325 (Tex. Ct. App. 1997).

Opinion

OPINION

HANKINSON, Justice.

Michael D. Wessinger got drunk and inexplicably punched Dennis Lee Morrison in the face several times, causing permanent vision loss. Wessinger does not deny that he attacked Morrison, but claims his intoxication influenced his decision to punch Morrison; he does not remember punching Morrison; and he never intended to injure Morrison. In this insurance coverage case we must decide whether Wessinger’s drunken decision to punch Morrison constitutes an accident, so that it falls within the definition of an occurrence covered by Wessinger’s homeowner’s insurance policy. Because we conclude that voluntary intoxication does not destroy the volitional and intentional nature of Wessinger’s conduct and that Morrison’s injuries naturally resulted from that conduct, Wessinger’s act was not accidental and thus not a covered occurrence. We therefore affirm the trial court’s summary judgment that the policy does not cover this incident.

Background

Morrison initially sued Wessinger in a Dallas County district court, alleging that Wes-singer negligently caused him injury when, in a drunken fit, Wessinger punched Morrison repeatedly in the head. A jury found Wes-singer liable and awarded Morrison $127,187 in damages. The district court signed a judgment on the verdict.

Fire Insurance Exchange, Wessinger’s homeowner’s insurance company, then filed this declaratory judgment action challenging coverage for the incident made the basis of Morrison’s original lawsuit. Wessinger and Morrison answered and counterclaimed, asserting that, by denying coverage, Fire Insurance breached its insurance contract and violated the Texas Deceptive Trade Practices Act and the Texas Insurance Code.

After answering Wessinger and Morrison’s counterclaim and conducting discovery, Fire Insurance moved for summary judgment arguing that Wessinger’s homeowner’s policy did not cover Wessinger’s conduct for two reasons. First, Wessinger’s actions were not accidental and thus not a covered occurrence under its policy. Second, Morrison’s damages were the result of Wessinger’s intentional conduct and thus a policy exclusion prevented coverage. Fire Insurance also moved for summary judgment on Wessinger and Morrison’s extracontractual claims.

Fire Insurance’s summary judgment evidence consists mainly of trial testimony from Morrison’s original lawsuit. That testimony establishes that Wessinger spent the afternoon and evening of December 14, 1991, in a Taipei, Taiwan bar drinking beer. Wessinger testified he drank six or seven beers before he ate dinner and an equal number after dinner. He admitted that by evening’s end he was drunk. He does not remember much about that evening and what little he does remember comes back in “flashes.” Many portions of the evening he does not recall at all.

While at the bar that evening, Wessinger ran into Morrison and Morrison’s girlfriend, Jackie. As compatriots abroad, Wessinger and Morrison had become friendly and socialized together. Later that evening, Morrison and Jackie invited Wessinger to attend a party with them. Morrison, Jackie, and Wessinger then took a cab to their destination. Once there, they got out of the taxicab and began walking in search of the party’s exact location.

At trial, Wessinger testified that Morrison and Jackie had been arguing since they left the bar because a stranger gave Jackie flowers. According to Wessinger, Morrison was jealous and verbally chastised Jackie. Jackie looked to Wessinger for support and a “shoulder to cry on.” So when Morrison later became angry at Jackie for going down the wrong street looking for the party, snapped his fingers, and ordered Jackie back into the taxicab, Wessinger decided to protect Jackie. Although at trial he could not recall the exact words spoken, he testified that he exchanged angry words with Morrison and then punched Morrison. Although Wessinger does not remember exactly what happened at that point in the evening, he does not dispute that he hit Morrison. At *836 trial, he admitted that he “[struck] a hard blow and hit [Morrison] in the face.” Further, in answers to interrogatories, Wessinger also admitted that on December 14, he hit or struck Morrison, causing bodily injury.

Morrison and Jackie testified at trial to different versions of these events. Morrison agreed he became jealous when another man gave Jackie flowers and that, during then-taxicab ride, he cautioned her about accepting flowers from strangers. But Morrison claimed that he and Jackie did not fight. Jackie testified she received flowers from a stranger that evening, but did not recall Morrison fighting with her or lecturing her that evening. Moirison and Jackie both agree that while they were standing on the sidewalk, Wessinger attacked Morrison, hitting him in the head several times and knocking him to the ground. Morrison testified at trial that Wessinger hit him several times in the face. Wessinger’s attack caused Morrison’s left retina to detach, leaving permanent injury to his left eye.

Wessinger and Morrison filed a summary judgment response in which they responded to each argument Fire Insurance raised. Wessinger and Morrison each executed an affidavit and filed it, along with deposition testimony, to support their counterarguments. Although in his affidavit Wessinger claimed not to remember the events or his actions that evening, neither he nor Morrison contradicted the version of events presented at trial in Wessinger’s original lawsuit. Wes-singer, in fact, stated, “I am aware Dennis Morrison says that I hit him and knocked him down, and I do not dispute that.” Instead of addressing the events that took place that night, both Wessinger’s and Morrison’s affidavits address only Wessinger’s subjective intentions that evening.

As noted already, Wessinger denied a “specific recollection” of the events and his actions on December 14, 1991, because he had been drinking heavily that day. He claimed, however, that he “never intended to hurt or injure Dennis Morrison, and ... certainly never intended to cause the significant injuries to his eye, and his effective blindness in his left eye, which resulted from these events.” He also asserted that he “did not intend to hit Dennis Morrison at all.” Instead, he maintained that “it appears that I acted quickly and impulsively, probably as a result of having too much to drink.”

Morrison, too, testified about his subjective impression of Wessinger’s inculpable conduct:

On December 14, 1991, I knew that Michael Wessinger had been drinking, and it was obvious that his drinking was having an effect on him, but I had no reason to believe that he would cause me any harm. In fact, immediately prior to the incident involved in this litigation, Michael Wes-singer had appeared friendly and even affectionate toward me. Likewise, immediately after the incident made the basis of this litigation, Michael Wessinger again appeared friendly and as if nothing had happened. In between, it was as if something had snapped, and he was acting entirely out of character. At no time did I notice him having any intent to cause any injury to me; and, I never had any indication he intended to hit me at all. He gave no indication that he was upset or angry; he did not threaten me in any way; I did not provoke him or aggravate him in any way; and, the entire incident came without warning and was entirely unanticipated.

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Cite This Page — Counsel Stack

Bluebook (online)
949 S.W.2d 834, 1997 Tex. App. LEXIS 3735, 1997 WL 401325, Counsel Stack Legal Research, https://law.counselstack.com/opinion/wessinger-v-fire-insurance-exchange-texapp-1997.