Morrow v. State Farm Mut. Auto. Ins. Co.

• Citation: 196 So.3d 773
• Decision Date: 29 June 2016
• Docket Number: No. 2015–CA–0578.,2015–CA–0578.
• Parties: Scott MORROW v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, et al.
• Court: Court of Appeal of Louisiana (US)

196 So.3d 773

Scott MORROW
v.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, et al.

No. 2015–CA–0578.

Court of Appeal of Louisiana, Fourth Circuit.

June 29, 2016.

196 So.3d 773

Laurence D. Cohen, Attorney at Law, New Orleans, LA, for Plaintiff/Appellant.

Katie Whitman–Myers, George B. Hall, Jr., Phelps Dunbar LLP, New Orleans, LA, for Defendant/Appellee.

(Court composed of Judge DENNIS R. BAGNERIS, SR., Judge DANIEL L. DYSART, Judge SANDRA CABRINA JENKINS ).

SANDRA CABRINA JENKINS, Judge.

Appellant, Scott Morrow, appeals the judgment of the trial court granting a motion for summary judgment filed by appellee, American Empire Surplus Lines Insurance Company (“American Empire”), on the issue of insurance coverage. For the reasons that follow, we affirm.

196 So.3d 774

BACKGROUND

In July 2012, Mr. Morrow filed this lawsuit seeking damages resulting from bodily injuries he allegedly sustained when defendant Jimmy Roberts, an employee of defendant Wayne's Vending Service, Inc. (Wayne's Vending), closed the rear door of a delivery truck while it was being inspected by Mr. Morrow, who was a security guard at an oil refinery in St. Bernard Parish.

In October 2014, American Empire filed a Motion for Summary Judgment on the basis of an exclusion in its commercial general liability policy (“CGL Policy”) issued to Wayne's Vending relating to the “use” of an automobile. In February 2015, the trial court granted American Empire's Motion for Summary Judgment, and dismissed Mr. Morrow's claims against it, with prejudice.

DISCUSSION

Appellate courts review summary judgments de novo under the same criteria that govern the trial court's consideration of whether summary judgment is appropriate. Orleans Parish Sch. Bd. v. Lexington Ins. Co., 12–1686, p. 8 (La.App. 4 Cir. 6/5/13), 118 So.3d 1203, 1211. An insurer moving for summary judgment on an exclusionary provision within a policy bears the burden of proving the applicability of that exclusion. Widder v. Louisiana Citizens Prop. Ins. Corp., 11–0196, p. 4 (La.App. 4 Cir. 8/10/11), 82 So.3d 294, 296. Exclusionary provisions in insurance contracts are strictly construed against the insurer, and any ambiguity is construed in favor of the insured. Ledbetter v. Concord Gen. Hosp., 95–0809, p. 4 (La.1/6/96), 665 So.2d 1166, 1169.

The material facts are not in dispute. On or about August 3, 2011, a delivery truck being driven by Mr. Roberts, who was an employee of Wayne's Vending, which also owned the truck, stopped at a guardhouse at the entrance/exit of the Murphy Oil Refinery in St. Bernard Parish, where Mr. Morrow worked as a security guard. The truck stopped at the gate to allow Mr. Morrow to inspect the inside of the truck. The truck engine was running. While Mr. Morrow was inspecting the cargo compartment of the truck, Mr. Roberts closed the rear roll-down door, striking Mr. Morrow on the head and/or neck.

In May 2011, Wayne's Vending had purchased the CGL Policy from American Empire which covered those sums that the insured becomes legally obligated to pay as damages because of ‘bodily injury’ or ‘property damage’ to which this insurance applies. Coverage under the CGL Policy was excluded, however, for bodily injury “arising out of the ownership, maintenance, use or...