Hargett v. Progressive Ins. Co.

• Decision Date: 29 October 2008
• Docket Number: No. 2008-CA-0293.,2008-CA-0293.
• Citation: 996 So.2d 1199
• Parties: Daphne HARGETT v. PROGRESSIVE INSURANCE COMPANY.
• Court: Court of Appeal of Louisiana — District of US

996 So.2d 1199

Daphne HARGETT v. PROGRESSIVE INSURANCE COMPANY.

No. 2008-CA-0293.

Court of Appeal of Louisiana, Fourth Circuit.

October 29, 2008.

Marie Bookman, New Orleans, LA, for Plaintiff/Appellant.

Jane B. Wills, Casler Bordelon & McGinty, Metairie, LA, for Defendant/Appellee, Progressive Express Insurance Company.

(Court composed of Judge CHARLES R. JONES, Judge DENNIS R. BAGNERIS, SR., and Judge MICHAEL E. KIRBY).

CHARLES R. JONES, Judge.

The Appellant, Daphne Hargett, is appealing the district court's judgment granting a motion for summary judgment in favor of the Appellee, Progressive Express Insurance Company (hereinafter "Progressive"). We affirm.

On February 9, 2005, Ms. Hargett was rear-ended while driving eastbound on I-10 in Orleans Parish in an Enterprise Rental car. The vehicle Ms. Hargett was operating was rented by Shandrea Williams, who has automobile insurance with Progressive. Albeit that Ms. Hargett was an authorized driver of the rental vehicle, she was neither listed as an insured nor as an additional insured under Ms. Williams' Progressive policy.

Ms. Hargett settled her claim against the party at fault's insurance company, State Farm Insurance. She then attempted to resolve a claim with Progressive under the underinsured motorist's portion of Ms. Williams' policy, but to no avail. Ms. Hargett later filed suit against Progressive alleging that she was an insured under Ms. Williams' policy and seeking damages.

Progressive subsequently filed two (2) separate motions for summary judgment against Ms. Hargett. In its first motion for summary judgment, which was filed on February 9, 2007, Progressive averred that Ms. Hargett was not an insured under its insurance policy because she is not related to Ms. Williams and because she was not driving a covered vehicle at the time of the accident. The district court denied Progressive's motion on April 18, 2007. The judgment was not certified as a final judgment. Additionally, Progressive did not appeal the judgment.

Progressive then filed its second motion for summary judgment in which it reurged its argument that Ms. Hargett was not a covered driver pursuant to its policy, and addressed a new issue raised by Ms. Hargett at the hearing on the first motion for summary judgment: Ms. Hargett's use of the rental vehicle as a temporary substitute vehicle under La R.S. 22:681. The district court granted Progressive's second motion for summary judgment and held that Ms. Hargett was not a covered driver under the Progressive policy and that she was not a permissive user of the rental car under the terms of the Enterprise agreement.

Ms. Hargett raises two issues on appeal. First, she avers that the district court's judgment in favor of Progressive's second motion for summary judgment is manifestly erroneous. The second issue raised is that the district court erred in not setting aside Progressive's second motion for summary judgment as moot after issuing a final judgment on Progressive's first motion for summary judgment.

Appellate court review of a summary judgment is de novo. Dominio v. Folger Coffee Co., 2005-0357 (La.App. 4 Cir. 2/15/06), 926 So.2d 16. Furthermore, a motion for summary judgment will be granted if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to material fact, and that the mover is entitled to judgment as a matter of law. La. C.C.P. art. 966(B). However, if the movant will not bear the burden of proof at trial, the movant's burden on the motion does not require him to negate all essential elements of the adverse party's claim, action, or defense, but rather to point out to the court that there is an absence of factual support for one or more elements essential to the adverse party's claim, action, or defense. La. C.C.P. art. 966(C)(2). Thereafter, if the adverse party fails to produce factual support sufficient to establish that he will be able to satisfy his evidentiary burden of proof at trial, there is no genuine issue of material fact. Id.

In her first assignment of error, Ms. Hargett argues that the district court erred in granting Progressive's second motion for summary judgment because Progressive failed to support its second motion for summary judgment with affidavits or certified documents. She further contends that it is Progressive's burden to present a prima facie case that genuine issues of material fact exist before the burden shifts to the opposing party.

Ms. Hargett avers that her sworn affidavit and deposition are the only sworn statements that were presented to the district court. Progressive, however, according to Ms. Hargett, has failed to produce sworn statements. Our review of the record reveals that Progressive attached two (2) exhibits in support of its motion for summary judgment: a copy of Ms. Hargett's deposition of November 30, 2008, and a copy of Ms. Williams' Progressive policy. Attached to Ms. Hargett's deposition was a copy of the first page of the Enterprise rental agreement.

Ms. Hargett was questioned about her knowledge of the Enterprise agreement at her deposition. During her deposition, she was shown a copy of the first page of said agreement. Counsel for Ms. Hargett objected to the exhibit asserting that the document had never been properly identified by Ms. Williams or by Enterprise.

Progressive contends that Ms. Hargett cannot controvert the sufficiency of the evidence attached to its motion for summary judgment on appeal because she did not raise an objection in the district court. However, this argument has no merit under a de novo standard of review.

An integral part of Progressive's summary judgment argument was that the Enterprise rental car driven by Ms. Hargett was not a covered vehicle on Ms. Williams' policy. In its judgment, the district court reasoned that the language of the Progressive policy excludes coverage for bodily injury sustained by any persons who are using or occupying a non-owned vehicle without the owner's express or implied consent.

Ms. Hargett is correct in her assertion that unverified documents attached to a motion for summary judgment shall not be considered. In Granier v. Avondale Industries, Inc., 2005-1085, p. 5 (La.App. 4 Cir. 8/16/06), 940 So.2d 678, 681, we noted:

In meeting the burden of proof, unverified documents, such as letters or reports, annexed to motions for summary judgment are not self-proving and therefore will not be considered; "merely stapling them to a motion for summary judgment" does not "magically" transform such documents into competent summary judgment evidence. Schully v. Hughes, 2000-2605, p. 5 (La.App. 4 Cir. 6/5/02), 820 So.2d 1219, 1222.

Id., p. 5, 940 So.2d at 681 (citing Williams v. Memorial Medical Center, 03-1806, pp. 14-15 (La.App. 4 Cir. 3/17/04), 870 So.2d 1044, 1053). However, our review of the record shows that the first page of the Enterprise rental...