Kathryn Loyacono v. The Travelers Insurance Company

Annotate this Case

Download PDF

IN THE COURT OF APPEALS OF THE STATE OF MISSISSIPPI NO. 2011-CA-00271-COA KATHRYN LOYACONO APPELLANT v. THE TRAVELERS INSURANCE COMPANY DATE OF JUDGMENT: TRIAL JUDGE: COURT FROM WHICH APPEALED: ATTORNEY FOR APPELLANT: ATTORNEYS FOR APPELLEE: NATURE OF THE CASE: TRIAL COURT DISPOSITION: DISPOSITION: APPELLEE 10/22/2010 HON. RICHARD W. MCKENZIE WARREN COUNTY CIRCUIT COURT ROBERT FARLEY WILKINS THOMAS Y. PAGE LOUIS G. BAINE III R. E. PARKER JR. CIVIL - PERSONAL INJURY ENTERED JUDGMENT FOR APPELLANT AWARDING $0 IN DAMAGES AFFIRMED IN PART; REVERSED AND REMANDED IN PART: 03/05/2013 MOTION FOR REHEARING FILED: MANDATE ISSUED: BEFORE GRIFFIS, P.J., MAXWELL AND FAIR, JJ. FAIR, J., FOR THE COURT: ¶1. Kathryn Loyacono sued Watacha Shelby and Travelers Insurance Company for negligence in connection with an automobile accident. In the Warren County Circuit Court, the jury found in favor of Loyacono but awarded zero damages. Loyacono appealed. Finding that the jury verdict was against the overwhelming weight of the evidence and that the trial court erred in submitting causation to the jury, we affirm in part and reverse and remand this case for a new trial on damages alone. FACTS ¶2. Loyacono was driving home when Shelby backed into Loyacono s vehicle. Anticipating the accident, Loyacono stopped her vehicle before the Shelby vehicle made contact. Loyacono was transported to the hospital by ambulance complaining of back and neck pain. She was treated for muscle spasms and released that day. ¶3. Shelby was uninsured, so Loyacono sued Shelby and her own insurance company, Travelers, for uninsured motorist coverage. At trial, an orthopedic surgeon, Dr. Daniel Dare, testified that the accident had caused muscle strain in Loyacono s neck and back. Dr. Don Jackson, Loyacono s dentist, stated that she had cracked her teeth by grinding them in pain. Kit Bonner, a physical therapist, testified that Loyacono had never fully recovered her precrash functionality. Loyacono explained that she experienced chronic pain, was unable to work, and was unable to travel and visit her grandchildren. ¶4. Shelby described the incident as tapping Loyacono s vehicle as she was backing out. There was no damage to Shelby s vehicle, and she did not think anyone could have been injured in the collision. ¶5. A defense expert in biomechanics, Dr. Richard Allnutt, explained that this collision did not involve sufficient force to activate the vehicle s break-away bumper or air bag and that such a collision would likely only result in muscle soreness for a few days. Dr. Keith Melancon, an orthopedic surgeon, explained that Loyacono had been diagnosed with a disc hernitation and degenerative-disc disease before the accident. He stated that Loyacono likely strained some of her neck and back muscles but that any injury would only last for about four 2 to five weeks. ¶6. After deliberation, the jury returned a verdict in favor of Loyacono but awarded zero damages. Loyacono now appeals asserting that the jury s award was against the overwhelming weight of the evidence and that the jury instructions were unclear. STANDARD OF REVIEW ¶7. A circuit court s refusal to grant a new trial is reviewed for abuse of discretion. Bobby Kitchens, Inc. v. Miss. Ins. Guar. Ass n, 560 So. 2d 129, 132 (Miss. 1989). To determine whether a verdict is against the overwhelming weight of the evidence, this Court must view all evidence in the light most consistent with the jury verdict. Motorola Commc ns & Elecs., Inc. v. Wilkerson, 555 So. 2d 713, 723 (Miss. 1989). DISCUSSION 1. Weight of the Evidence ¶8. A new trial may be granted when the verdict is against the overwhelming weight of the evidence, or when the jury has been confused by faulty jury instructions, or when the jury has departed from its oath and its verdict is a result of bias, passion, and prejudice. Bobby Kitchens, 560 So. 2d at 132. A new trial becomes appropriate when a[n] . . . error within the trial mechanism itself has caused a legally incorrect or unjust verdict to be rendered. Solanki v. Ervin, 21 So. 3d 552, 569 (¶46) (Miss. 2009) (citation omitted). Generally, the only evidence of corruption, passion, prejudice, or bias on the part of the jury is an inference, if any, to be drawn from contrasting the amount of the verdict with the amount of the damages. Green v. Grant, 641 So. 2d 1203, 1209 (Miss. 1994). A jury s award is not to 3 be set aside unless it is entirely disproportionate to the injury sustained. Ill. Cent. R.R. v. Gandy, 750 So. 2d 527, 534 (¶26) (Miss. 1999) (citation omitted). ¶9. Loyacono had the burden of proving her injuries and damages. After carefully reviewing the record, we find that evidence of Shelby s fault for the accident and Loyacono s injury as a result of the accident was uncontradicted. However, the evidence conflicted regarding the extent of Loyacono s injury as a result of this accident. ¶10. Both plaintiff and defense experts agreed that Loyacono had suffered some injury. Dr. Melancon, for the defense, testified that Loyacono had muscle strain after the accident and that her injury would have healed in four to five weeks without any permanent impairment. Dr. Allnut, also for the defense, agreed but believed most of Loyacono s subsequent pain was caused by her degenerative-disc disease. Despite this evidence, the jury awarded zero damages. ¶11. In Knight v. Brooks, 881 So. 2d 294, 297-98 (¶12) (Miss. Ct. App. 2004), this Court held that because it was clear Knight had suffered some injury from an accident, a jury award of zero damages was against the overwhelming weight of the evidence. Similarly, in McCary v. Caperton, 601 So. 2d 866, 870 (Miss. 1992) (overruled on other grounds by Robinson Prop. Grp., L.P. v. Mitchell, 7 So. 3d 240, 244-45 (¶¶11, 15) (Miss. 2009)), the Mississippi Supreme Court held that where a peremptory instruction on liability was given and unrefuted evidence of injury and damages was presented, the jury s verdict for the defendant on damages was against the overwhelming weight of the evidence. Based on the evidence in this record, we are compelled to conclude that the jury s award of zero damages 4 was against the overwhelming weight of credible evidence. 2. The Thompson Decision ¶12. We must recognize the recent Mississippi Supreme Court decision of Thompson v. Nguyen, 86 So. 3d 232 (Miss. 2012). Nguyen bumped into the back of Thompson s car while Thompson was stopped at a red light. Id. at 235 (¶2). Neither car was damaged, but after several days, Thompson was treated for neck pain. Id. at (¶3). Testing revealed that Thompson had degenerative-disc disease, which ultimately required surgery. Id. at (¶4). She filed suit against Nguyen claiming that her symptoms did not begin until after the accident and continued to cause her daily neck pain. Id. at (¶5). Experts testified that Thompson s symptoms were related to the accident or aggravated by the accident. Id. at (¶6). The jury awarded Thompson $9,131, which was the exact amount of her physical-therapy bills. Id. at 236 (¶10). The supreme court upheld the denial of Thompson s motion for a new trial finding that the award being only four percent of the requested damages did not evidence bias, passion, or prejudice. Id. at 238 (¶¶21-22). ¶13. While we acknowledge the supreme court s holding in Thompson, we believe Loyacono s case is distinguishable. Unlike Thompson, Loyacono was not awarded any portion of her medical bills; she was not even nominally compensated for the ambulance ride and emergency-room visit immediately following this accident. It is inconsistent for the trial court to find in favor of Loyacono on her negligence claim and then allow the jury to award zero damages. 3. Juror Confusion 5 ¶14. There is also evidence of juror confusion and faulty instruction in this case. When the defense rested, Loyacono moved for a directed verdict, arguing that all experts had agreed the accident caused her some injury. The court sustained the motion and granted Loyacono a directed verdict. But the court refused instruction P-16, which read: The Court instructs the jury to return a verdict in favor of the plaintiff, Kathryn Loyacono. ¶15. Instead, the trial court submitted special interrogatories to the jury with five questions. Question number one was answered by the court before submitting the form to the jury. It read: 1. Do you find that the Defendant, Watacha Shelby was negligent and caused or contributed to the accident in question? Yes X No ___ Question number three was submitted to the jury as follows: 3. Do you find that the collision of July 25, 2005, caused or contributed to by the negligence of Watacha Shelby, proximately resulted in injuries and damages to Kathryn Loyacono? After considering the evidence, the jury returned the following verdict in response to question number three: No 11 Yes 1 One juror remained after the jury was dismissed and informed the court that the jury had put a zero in the blank on instruction P-6, but had misplaced the piece of paper. Instruction P-6 read, in part: We the jury, find for the Plaintiff and assess her damages at $____. This seems to be what the court relied upon in awarding zero damages. ¶16. Apparently, the trial court directed a verdict for Loyacono on the issues of negligence 6 and liability. This conflicted with special interrogatory question three, which effectively cancels that finding by allowing the jury to determine causation. It is error for a court to give instructions that are likely to mislead or confuse the jury as to the principles of law applicable to the facts in evidence . . . . Moak v. Black, 230 Miss. 337, 351, 92 So. 2d 845, 851 (1957). Therefore, it was error for the court to grant a directed verdict and then submit causation to the jury. Under these circumstances, the task of the jury was to determine the extent of [the plaintiff s] injuries and loss, not whether any existed. McCary, 601 So. 2d at 870. CONCLUSION ¶17. The trial court correctly directed a verdict on liability but then improperly submitted the issue of causation to the jury. This error allowed the jury to render a damage award that was against the overwhelming weight of the evidence. [W]here a jury correctly decides the issue of liability but proves to have rendered a damage award tainted by prejudice, the reviewing court may appropriately remand for a new trial on damages alone. Johnson v. Fargo, 604 So. 2d 306, 311 (Miss. 1992) (citation omitted). We therefore affirm the finding of the trial court in favor of Loyacono but reverse and remand this case for a new trial on damages alone. ¶18. THE JUDGMENT OF THE WARREN COUNTY CIRCUIT COURT IS AFFIRMED IN PART AND REVERSED AND REMANDED IN PART FOR FURTHER PROCEEDINGS CONSISTENT WITH THIS OPINION. ALL COSTS OF THIS APPEAL ARE ASSESSED EQUALLY BETWEEN THE APPELLANT AND THE APPELLEE. LEE, C.J., GRIFFIS, P.J., BARNES, ISHEE, ROBERTS, MAXWELL AND 7 JAMES, JJ., CONCUR. IRVING, P.J., CONCURS IN PART AND DISSENTS IN PART WITH SEPARATE WRITTEN OPINION. CARLTON, J., CONCURS IN PART AND DISSENTS IN PART WITH SEPARATE WRITTEN OPINION. IRVING, P.J., CONCURRING IN PART AND DISSENTING IN PART: ¶19. I believe the majority errs in remanding this case for a new trial on damages. I would reverse the trial court s denial of Loyacono s motion for a judgment notwithstanding the verdict (JNOV) and grant nominal damages here. ¶20. In paragraph fifteen, the majority states: One juror remained after the jury was dismissed and informed the court that the jury had put a zero in the blank on instruction P-6, but had misplaced the piece of paper. Instruction P-6 read, in part: We[,] the jury, find for the Plaintiff and assess her damages at $________. This seems to be what the court relied upon in awarding zero damages. Actually, that is an incomplete recitation of what occurred. First, the instruction P-6 that was given reads as follows: If you reach a verdict in this case, you should write it on a separate piece of paper. You need not sign it, and it may be in the following form: We, the jury, find for the Plaintiff and assess her damages at $______. Second, the juror, who was the spokesperson for the jury, explained that the jury had followed the court s instruction and had written the jury s verdict on a separate piece of paper. However, she implied that she had inadvertently left the separate piece of paper in the jury room because she said: That s the one that I was supposes to have brought down. Nevertheless, she emphasized that they had entered zero dollars for Loyacono s damages. Finally, it should be noted that upon receipt of the verdict, the court noted that it was not in the form that it should have been and asked counsel if they had any problem with it. Loyacono s counsel answered in the negative. 8 ¶21. Next, I point out that the trial court did not award zero damages the jury did because in its answer to special interrogatory number 3, the jury found that although Shelby s negligence caused or contributed to the collision, her negligence did not result in any injuries and damages to Loyacono. That is more than clear, as eleven jurors stated that Loyacono suffered no injury or damages. Only one juror thought that she did. In a civil trial, nine jurors may return the verdict of the jury. Here, eleven did. And there is ample evidence to support the jury s verdict. I discuss that next. ¶22. When Loyacono saw Shelby backing up, Loyacono stopped her car, apparently enhancing the chance that she would be struck by Shelby. This is indeed strange conduct. I do not think that this fact was lost on the jury, especially since the jury was aware that Loyacono had $2.5 million in uninsured motorist coverage, an amount far exceeding the amount of liability insurance carried by most drivers. Then, there is the fact that Shelby s vehicle was not damaged. According to Shelby, she only tapped Loyacono s vehicle as she was backing out, and she did not think anyone could have been injured. Also, there is the testimony of Dr. Allnutt, who explained that the collision did not involve sufficient force to activate the vehicle s break-away bumper or air bag and that such a collision would likely only result in muscle soreness for a few days. Further, there was the testimony of Dr. Melancon that Loyacono had been diagnosed with a disc hernitation and degenerative-disc disease before the accident. ¶23. The jury may well have believed, as Shelby testified, that the accident involved a light tap and no damages. Certainly, Shelby was a competent witness. I am aware that there was 9 medical testimony that would suggest that Loyacono was at least entitled to nominal damages. However, that would be the case only if the injuries that were outlined by the doctors were caused by the accident. Nevertheless, the trial court granted a directed verdict on liability. While I think that was error based on the unique facts of this case, that issue is not before us, as there is no cross-appeal. Since the law is clear that when liability has been established and there is unrefuted evidence of injuries, a plaintiff is at least entitled to nominal damages. Therefore, rather than remand for a new trial on damages, I would grant nominal damages here in the amount of $1,000. The jury has already rejected Loyacono s evidence that the injuries that she allegedly suffered were caused by Shelby s negligence. Therefore, she is entitled to nominal damages, but only because of the principle of law that when a directed verdict is awarded and there is unrefuted evidence of injury, the plaintiff is entitled to some damages, no matter how slight. ¶24. For the reasons presented, I would reverse the trial court s judgment denying Loyacono s motion for a JNOV and grant judgment here for her in the amount of $1,000. CARLTON, J., CONCURRING IN PART AND DISSENTING IN PART: ¶25. Because I would affirm the judgment of the trial court, I concur in part and dissent in part with respect to the majority s decision. In reviewing the weight of the evidence supporting a jury's verdict, this Court must accept as true the evidence which supports the verdict. Martin ex rel. Heirs of Martin v. B & B Concrete Co., 71 So. 3d 611, 616 (¶17) (Miss. Ct. App. 2011) (citation omitted). 10

Some case metadata and case summaries were written with the help of AI, which can produce inaccuracies. You should read the full case before relying on it for legal research purposes.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.