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1-us-bank-note-47344-1024x724Benjamin Franklin had good reason to make the statement, “neither a borrower nor a lender be.” The potential for risk on either side of the transaction is significant. Be it the likelihood of not getting paid, or the possibility that you will not be able to repay the debt, many find that it is better to avoid the perils of money lending altogether. But that is just not practical. The way big plans are realized is often with money we do not yet have. And loaning money at interest is usually a great short-term investment, if you have the cash to spare. How do we assure our debt agreements will hold up in court?

On February 24, 2014, New Orleans resident Lois Guillory made a $40,000 loan to Percy Goulette and Alan Sagely, with interest totaling $5,000 and due in one year’s time. The parties signed a promissory note memorializing all the terms. But once February 24, 2015 came around, Goulette and Sagely refused to pay the obligation. When Ms. Guillory filed a lawsuit to recover her investment, Mr. Goulette tried to have the claim dismissed, stating that his business Goulette Ice actually borrowed the money. Goulette claimed he and Sagely did not borrow the money individually, but signed the note in their capacity as agents of Goulette Ice. In fact, the note identified the men as owners of Goulette Ice in two places, one of which was below the signature line. This, in Goulette’s eye, meant he and Sagely were not personally guaranteeing repayment, and not liable for the loan. The Trial Court granted Goulette’s peremptory exception of no cause of action, and Ms. Guillory appealed. 

A peremptory exception for no cause of action is essentially one party asking the court to dismiss the case because there has been no offense for which to sue. These exceptions are judged solely on the pleadings, and neither party may introduce evidence to support or object to the exception. La. C.C.P. art. 931. Ms. Guillory’s original petition contained a copy of the promissory note, and the Appellate Court closely reviewed that document. 

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blue-and-silver-stetoscope-40568-1-1024x683To many who contemplate filing a lawsuit for an automobile accident, it may seem sufficient to show that the other driver was at fault – show he ran the red light, she failed to signal, and then it’s all downhill from there. But one element of all negligence cases is causation. You must prove that the injuries you have were caused by the accident itself. Normally this is pretty simple, but preexisting conditions can muddy the waters. Wayne Bouchon found out the hard way that proving causation was critical to his case. 

Wayne and his wife, Roberta, were driving down Highway 22 near Mandeville on their way to get lunch when their vehicle was struck from behind. The Bouchons told the officer who came to the scene that they were not hurt, but later that day, Wayne started experiencing lower back pain. Despite the pain, the Bouchons did not file a lawsuit until nearly twelve months after the accident. 

Of the evidence presented at trial, Wayne’s medical records showed he had been treated for a back injury a few years before after lifting a heavy box. Also, the Trial Court heard testimony that Wayne had taken a job at Office Depot a few months after the accident, which required standing for long periods and occasionally moving furniture. His doctor testified to a correlation between his Office Depot job and the worsening of his symptoms. As a result, the Trial Court found that the Bouchons had not proved the accident was the cause of Wayne’s injuries, and awarded only $5,000 in minimal pain and suffering. The Bouchons appealed. 

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blur-car-cars-163945-1024x683Is uninsured/underinsured (“UM”) coverage an automatic component of commercial auto insurance policies?  Are there instances when an insured can reject UM coverage in its entirety or select lower limits of UM coverage for a commercial auto insurance policy?  Although La. R.S. 22:1295(1)(a)(i) indicates that all auto insurance policies issued within Louisiana must include UM coverage, subsection 1295(1)(a)(iii) allows for a named insured to either reject UM coverage in its entirety or select UM coverage with lower limits.  In a recent case out of Calctsieu Parish, Louisiana, an employee learned that while his employer carried a valid commercial auto insurance policy with at the time of his accident, the employer executed a valid UM rejection form prior to the accident that remained in full effect.  

On June 21, 2013, Lonny Hayes, an employee of O’Neal’s Feeder Supply, Inc., sustained severe injuries in an automobile accident after Diana Gonzales failed to adhere to a traffic sign and collided with Mr. Hayes’ work vehicle.  Following insufficient recovery for damages from Ms. Gonzales’ insurer, State Farm Mutual Automobile Insurance Company, Mr. Hayes and his wife, Melissa Hayes sued their insurer, Progressive Security Insurance Company, and O’Neal’s insurer, Penn Millers Insurance Company.  Mr. and Mrs. Hayes claimed that both policies from Progressive and Penn Millers provided UM coverage from which they could secure additional funds from to cover their damages. Penn Millers denied Mr. and Mrs. Hayes’ claims, indicating that O’Neal’s executed a UM rejection form for the commercial auto insurance policy that was in full effect on the date of Mr. Hayes’ accident.  Therefore, Penn Millers argued that there was no UM coverage available for recovery. Shortly thereafter, Mr. and Mrs. Hayes filed a Motion for Summary Judgment on the issue of whether Penn Millers’ commercial auto insurance policy provided UM coverage. On January 21, 2016, the trial court granted Mr. and Mrs. Hayes’ Motion for Partial Summary Judgment, finding no valid UM rejection form existed for O’Neal’s commercial auto insurance policy in full effect on the date of Mr. Hayes’ accident and therefore, UM coverage was available for recovery.  

On appeal, Penn Millers asserted that the trial court erred in finding no valid UM rejection form existed for O’Neal’s commercial auto insurance policy in full effect on the date of Mr. Hayes’ accident.  Penn Millers argued that the UM rejection form executed by O’Neal’s on June 5, 2007, remained in full effect on June 21, 2013, because the same policy had been renewed annually from 2007 thru to 2013. Pursuant to La. R. S. 22:1295(1)(a)(ii), a UM rejection form that is executed by the insured or the insured’s legal representative and initially rejects UM coverage in its entirety or selects UM coverage with lower limits remains in full effective for the life of a policy, regardless of whether the policy is renewed, reinstated, substituted, or amended.  In support of this argument, Penn Millers produced seven declaration pages that corresponded to the commercial auto insurance policy initially issued to O’Neal’s in 2007 and subsequently renewed thru to 2013. Specifically, each declaration page after 2007 included the same identification number with an exception of changing the last two digits to signify the year the policy was in effect.    

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close-up-photo-of-black-car-2470657-683x1024It is undisputed that it is always important to obtain a good lawyer to fight for you in court. But when exactly should that representation begin?

For Bobby Clay, the answer to that question was the moment her Jeep collided with Jefferia Washington’s Mercury Grand Marquis. In the city of Monroe on November 19, 2015, Ms. Clay was backing out of her driveway and hit the passenger door of Ms. Washington’s car. In order to avoid the headache of dealing with police reports and insurance claims, Ms. Clay offered to pay for the damage to Washington’s Mercury Grand Marquis. The next day, the repairs were estimated at $2,061.32. Although Ms. Clay believed this was a very high amount for the damages, she paid the full amount just three days after the accident. 

Ms. Clay proceeded to file a lawsuit for fraud, per La. C.C. art. 1953. Ms. Washington countered with a suit of her own for defamation and harassment. Both parties appeared without lawyers and both cases were dismissed. Ms. Clay appealed, this time with representation. 

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blue-and-silver-stetoscope-40568-1024x683The biggest obstacle to any plaintiff in a medical malpractice case is prescription, but what is that? In the state of Louisiana, prescription is a peremptory exception that can be claimed by defendants. Prescription can be thought of as a privilege for medical professionals which exempts them from malpractice cases so long as they are working within the scope of their employment. It is typically difficult to overcome a prescription exception unless a plaintiff has solid proof of negligence. The following case is no exception. 

Caddo Parrish resident Karla Breland’s tragic story began on June 19, 2014. Her husband, Ray Breland, had a medical condition that caused his body’s ammonia levels to rise, and thus he was prescribed Lactulose. Mr. Breland developed liver complications and a recurring hernia, for which surgery was performed by Dr. Zabari. Mr. Breland was discharged eight days later, on June 27th, only to return one month later for severe abdominal pain.

 The Brelands went to the emergency room. Mrs. Breland informed several staff members throughout their visit of Mr. Breland’s need for Lactulose, yet he was only given medication for nausea and pain. The next day, Dr. Zibari  fixed the hernia without surgery and said Mr. Breland should be discharged the following day. Again, Mrs. Breland informed the nurse on duty and one of the named defendants, Nurse Vierra, that Mr. Breland needed Lactulose, but he still did not receive it. Another doctor, Dr. Jones, another named defendant, checked on Mr. Breland and advised the nurse to administer Lactulose, but when Mrs. Breland reminded Nurse Vierra of this, the nurse said that she did not have a written order for the Lactulose. The next on-duty nurse, Nurse Hayes, was informed of the same situation but again told Mrs. Breland that there was no written order for it. 

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architecture-brick-building-construction-259957-1024x667It is difficult to fully know and understand the law. This is why lawyers attend law school for three years, and then complete continuing education for the rest of their careers. Many times a party to a lawsuit will try to carry on without a lawyer, but the unfortunate truth is that this can actually lead to more headaches and financial woes than expected. 

In Iota, Louisiana, a woman was allegedly blind-sided by eviction. An unemployed single mother, Erica Scott was accustomed to paying her rent a few days late from time to time. But her apartment company, Southern Apartments, owned by MAC-RE, LLC, had changed their payment policy. Although they kept the first-of-the-month due date and 10-day grace period, they declared that any tenant who has not paid rent by the 11th day of the month will automatically have his or her lease terminated and eviction procedures would begin. The manager of Southern Apartments, Sherry Hebert, went door-to-door with a memorandum stating this change, either handing it to those who answered their door, or leaving it with a note requesting that tenants come to the office to sign. Ms. Scott alleged that she never received this notice, and attempted to pay her rent to Ms. Hebert on the 13th of the month. This payment, however, was refused, and Ms. Scott was given five days to voluntary vacate her apartment. 

Ms. Scott did indeed find a new residence at the end of the month and began to move her things. However, when she returned on the 6th of August, she stated that her locks were changed. Ms. Hebert disputes this, as she was personally unable to do change the locks and the maintenance man was on leave. Ms. Scott declared that $20,000 worth of property remained in the apartment, but Ms. Hebert disputed this as well. She states that when she went in to survey the property, all that remained was garbage, rotting food, broken toys and furniture, an old mattress, and dirty dishes. 

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close-up-photography-of-silver-sports-car-1236809-683x1024Exceptions exist everywhere in law. Although people in their normal and daily lives are expected to stop at a red light and follow the speed limit, police officers need not do so when responding to emergencies. Of course, this exception makes sense. Imagine what would happen if a police officer has to respond to a shooting but has to sit in traffic. But should police officers be free from any liability for the damages they may cause while responding to an emergency? 

Near a convenience store situated on the West Bank of Jefferson Parish, Kim White met a man she knew from the neighborhood. The man asked White whether she could help him purchase heroin. White agreed and got into the man’s car, and the two drove around in search for heroin. Little did White know, the man’s car was stolen. A short while later, White and the man noticed that a police car was tailing them. Rather than stopping, the man accelerated, and a high speed chase ensued. Eventually, the man stopped the car at a parking lot. Though the man ran away, White was struck by a police cruiser. White filed a lawsuit against the Jefferson Parish Sheriff’s Office. At trial, White testified that, upon exiting the vehicle, she had her hands up and surrendered to the police. On cross-examination, however, a prior deposition revealed that White had not raised her hands at the time of crash. 

Deputy Paul Gegenheimer was the officer whose vehicle crashed into White. He testified that White appeared to be running away and that he did not intentionally run his vehicle into White. He stated that he was going around five to ten miles per hour when he hit White. Deputy Johnnie Petit, Jr., another officer who was involved in the chase, testified that he did not see Deputy Gegenheimer’s vehicle strike White. Deputy Mike Tisdale arrived at the scene two minutes after the crash and noted that White was in considerable amounts of pain. However, he did not notice any error in Deputy Gegenheimer’s driving. Major Kerry Najolia, director of training for the Jefferson Parish Sheriff’s Office, testified that officers were immune under La. R.S. 32:24 from liability for any accidents they cause during pursuits of a stolen vehicle. The Trial Court denied relief for White. White appealed, arguing that La. R.S. 32:24 did not apply in her case. 

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police-blue-sky-security-surveillance-96612-1024x683Injuries on the job can be devastating. Though the injuries themselves may be painful, the loss of a livelihood that may follow can be even worse. As a result, Louisiana has implemented workers’ compensation programs in order to provide relief for employees who are injured on the job. However, there are caveats that exist and not all injured employees may receive workers’ compensation. 

While training for employment as a security guard for Covenant Services Worldwide (“Covenant”), Bonnie Frazier suffered a rotator cuff tear in her right shoulder. Frazier underwent three surgeries on her right shoulder. Covenant paid for Frazier’s treatments. Despite her surgeries, Dr. Felix Savoie restricted Frazier from lifting five pounds over her head, twenty pounds from her waist to her shoulder, and thirty pounds in any circumstances. 

Fraizer eventually accepted a security officer position that entailed driving and periodic running. One day at work, Frazier asked her manager Vicki Bryant if she could leave work because she was suffering from severe shoulder pain. Bryant sent for another security guard named Jill Delatte. Before letting Delatte take over, Frazier wrote a note explaining that she was leaving work because of severe shoulder pain. In a recorded statement, Delatte reported that Bryant told Frazier that if she was going to quit, she was to leave her vest, badge and uniform. Frazier gave her vest and badge with Delatte and never showed up to work again. Almost a year later, Frazier filed a Disputed Claim for Compensation Form 1008, arguing that Covenant had unlawfully terminated her supplemental earnings benefits (“SEBs”). The Office of Workers’ Compensation (“OWC”) judge, however, found that because Frazier herself had terminated her employment, Covenant did not owe her any SEBs. 

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two-person-doing-surgery-inside-room-1250655-1024x683Workers’ compensation programs may provide you with some relief for an injury. However, it is important to note that depending on your recovery and other factors, you could be taken off such programs. This is because legislators want people to work if they are able. Though many people who depend on workers’ compensation programs truly deserve it, some people abuse the system. 

Lisa Tassin was a registered nurse at Touro Infirmary (“Touro”). Unfortunately, while moving an operating room table, she fell and landed on her tailbone, causing injuries to her lower back. Prior to this accident, Tassin was involved in two car accidents that resulted in chronic neck pain. Because of her work-related accident, she received temporary total disability benefits (“TTDs”) from Touro. 

Tassin was treated and examined by a slew of doctors. Though the doctors agreed that Tassin’s pain was genuine, they disagreed whether the origin of her pain was the work-related injury or her prior car accidents. Five years after the accident, Tassin filed a Disputed Claim for Compensation against Touro because Touro reduced her TTDs to supplemental earnings benefits (“SEBs”). Touro claimed that Tassin was no longer disabled and could earn wages equal to those before her work-related injury. The matter was taken to a workers’ compensation judge who found that Tassin was no longer entitled to TTDs because she was unable to show that she was incapable of any employment. Furthermore, the judge ruled that she was also not entitled to SEBs because she could work in other health care positions if she had not let her nursing license lapse. 

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architect-architecture-blueprint-build-271667-1024x678Sometimes, whether your case takes place in federal court or state court may be out of your hands entirely. Other times, it may be possible for the case to take place in either court. In such situations, it is important to understand possible differences and advantages between state and federal court. When one party wants the case in federal court and the other wants it in state court, things can get tricky, as a 2017 case from the United States Court of Appeals for the Fifth Circuit shows.

Plaintiff Howard Zeringue claimed he was exposed to asbestos in 1952 when he was deployed with the United States Navy. Though he did not provide a time period, he also alleged that he was exposed to asbestos when he worked a job selling insurance in Avondale Shipyard. He filed a lawsuit against Crane Company (“Crane”) and twenty others in state court in Louisiana. Zeringue alleged all were liable for asbestos-causing injuries based on claims of strict liability, negligence, and failure to warn; but specifically stated that Crane and twelve out of the twenty-one defendants were responsible for handling and sending the asbestos-containing products to the places he was exposed.

Crane removed the case to the Eastern District of Louisiana in accordance with the federal-officer removal statute, 28 U.S.C. § 1442(a)(1). Crane claimed that the products it provided for or made for the Navy were subject to the Navy’s requirements and federal officers had discretion about whether the product had asbestos and if it needed a warning label. With its removal petition, Crane supplied affidavits and sample military specifications to show that all asbestos-containing products could not be used in Navy ships without the Navy Machinery Inspectors determining they met the specifications.

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