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Johnson v. Howard11/5/2003
PUBLISHED
WRIT GRANTED AND MADE PEREMPTORY.
The Concordia Parish Police Jury seeks supervisory writs from a judgment of the Seventh Judicial District Court denying its motion for partial summary judgment and/or, alternatively, exceptions of no right of action and/or no cause of action. We granted the writ for the purpose of calling the case up for full briefing, argument, and an opinion.
FACTS
On December 15, 1999, John Johnson's vehicle was rear-ended by a vehicle operated by Amanda Howard. Johnson was driving a 1997 Ford Expedition owned by the Parish of Concordia, and provided to him in his capacity as District Attorney for the Seventh Judicial District. Johnson sustained extensive back injuries as a result of the accident.
The Howard vehicle was insured by State Farm under a policy with limits of $25,000.00 per person. Johnson's vehicle was insured under a policy issued by Coregis Insurance Company to Louisiana Rural Parish Insurance Cooperative. Concordia was an insured under the policy. The Coregis policy provided liability and UM coverage with limits of $1,000,000.00. Under the terms of the policy, the insured had a self-insured retention of $100,000.00 on both the liability and UM coverage.
Johnson files suit against Howard, State Farm, and Coregis. Concordia was added after Coregis invoked the self-insured retention provision of the policy. Johnson settled with Howard and State Farm for the policy limits. Concordia filed a motion for partial summary judgment and/or, alternatively, exceptions of no right of action and/or no cause of action. The trial court denied the motion and Concordia filed this writ application.
DISCUSSION
Concordia argues that the trial court erred in denying its motion. Specifically, Concordia argues that as a self-insured political subdivision, it is not required to provide UM coverage and calls our attention to Tybussek v. Wong, 96-1981 (La.App. 4 Cir. 2/26/97), 690 So.2d 225, writ denied, 97-766 (La. 5/1/97), 693 So.2d 731, writ denied, 97-795 (La. 5/1/97), 693 So.2d 734, and Hebert v. Williams, 526 So.2d 835 (La.App. 3 Cir.), writ denied, 532 So.2d 150 (La.1988).
In Tybussek, the court said:
Under Louisiana law, self-insurers have no obligation to provide UM coverage because self insurance is not considered an insurance policy and UM coverage is only required if an insurance policy is purchased.
Here, the policy issued by Carolina Casualty to the Board clearly states that the Board is self-insured for the first $100,000. Accordingly, as a self-insured, the Board is not required to provide UM coverage within the self-insured retention limit.
Tybussek, 690 So.2d at 230.
Likewise, in Hebert, we said, citing Jordan v. Honea, 407 So.2d 503 (La.App. 1 Cir. 1981), writ denied, 409 So.2d 654 (La.1982): "The court held that a certified self-insured does not afford uninsured motorist coverage." Hebert, 526 So.2d at 838.
Johnson does not seriously dispute the holdings in these cases. Instead he argues in opposition to the writ application that nothing prohibits a self-insured from providing UM coverage even though it is not mandated. Specifically, he contends that prior to 1997 the Coregis policy contained no self-insured retention for UM coverage and that by amending its policy to provide for a self-insured retention, Concordia elected to provide UM coverage. This argument is not persuasive.
The amendment to the Coregis policy provides:
We will pay all sums the "Insured" is legally entitled to recover as compensatory damages from the owner or driver of an "Uninsured
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