Imagine going for a horseback ride to clear your head and take a time-out from the hectic everyday happenings of life. Now imagine that the relaxing ride comes abruptly to an end when both you and the horse are involved in a collision with an automobile. A similar situation occurred on Hano Road in Tangipahoa Parish, Louisiana when Taresa Graves and her horse were hit by a car driven by Andre Freeman. Aside from the injuries suffered during the accident, the real headache began for Ms. Graves once the trial began out of a lawsuit she filed against both Mr. Freeman and Safeway Insurance of Louisiana, the company having previously insured the car that Mr. Freeman was driving.
The trial court in Ms. Graves’ case determined that, because the car was not owned by Freeman and had not been insured by Safeway for years, Safeway was not liable for the damages that occurred as a result of the accident. Ms. Graves argued that although Safeway had not insured the car, the company was still liable to pay for the damage of the accident because Elaine Jackson (Freeman’s mother), had a separate policy which covered her as well as her relatives, with relatives being defined in the policy as a related person that lives on the same premises. Graves alleged that Freeman lived with his mother and was therefore under her Safeway policy, making Safeway partially liable.
During discovery, depositions of both Andre Freeman and his mother Ms. Jackson were taken. The crux of the legal issue, in this case, is that, on the day of the trial, neither Freeman nor Jackson appeared at the courtroom, despite having been subpoenaed by Safeway. The court sent Sheriff’s deputies to locate and retrieve Jackson and Freeman, but neither of the individuals could be found. Safeway then sought to offer the depositions as evidence in lieu of their testimony, and, over Ms. Graves’ objections, the trial court allowed the depositions to be submitted as evidence, citing the unavailability of Jackson and Freeman. The depositions stated that Freeman had not lived with his mother since he was twelve and that he had been living with elsewhere for some time. The trial court ruled that Freeman did not live with Jackson, and therefore Jackson’s policy with Safeway did not cover Freeman nor the car he was driving. Moreover, the court found Freeman 50% at fault for the accident, ruling in favor of Graves but dismissing the claim against Safeway.