Penelope Catzen, Sophia Vorhoff, And Harry Vorhoff v. Tashonty Toney, Esurance Insurance Company, And State Auto Property And Casualty Insurance Company

Supreme Court of Louisiana
January 18, 2023
Chief Deputy Clerk of Court
For the Court
The Supreme Court of the State of Louisiana
PENELOPE CATZEN, SOPHIA VORHOFF,
AND HARRY VORHOFF
VS.
TASHONTY TONEY, ESURANCE
INSURANCE
COMPANY, AND STATE AUTO PROPERTY
AND CASUALTY INSURANCE COMPANY
No. 2022-CC-01261
_ _
_ _ _ _
I
N RE: State Auto Property and Casualty Insuranc e Company - Applicant
Defendant; Applying For Supervisory Writ, Parish of Orleans Civil, Orleans Civil
District Court Number(s) 2019-12508 C/W 2020-01222 C/W 2020-1514, Court of
Appeal, Fourth Circuit, Number(s) 2022-C-0490;
_ _ _ _ _ _
January 18, 2023
Writ application granted. See per curiam.
PDG
JLW
JDH
SJC
JTG
WJC
JBM
01/18/2023 "See News Release 002 for any Concurrences and/or Dissents."

SUPREME COURT OF LOUISIANA
No
. 2022-CC-01261
PE
NELOPE CATZEN, SOPHIA VORHOFF, AND HARRY VORHOFF
VS.
TASHONTY TONEY, ESURANCE INSURANCE COMPANY, AND STATE
AUTO PROPERTY AND CASUALTY INSURANCE COMPANY
O
n Supervisory Writ to the Orleans Civil District Court, Parish of Orleans
PE
R CURIAM
I
n this case, we must determine whether plaintiff is a resident of her father’s
household for purposes of coverage under her father’s insurance policy. For the
reasons that follow, we conclude the insurance policy does not provide coverage,
and the insurer is therefore entitled to summary judgment.
UNDE
RLYING FACTS AND PROCEDURAL HISTORY
Plaintiff, Penelope Catzen, filed the instant suit alleging she was struck and
injured by a speeding motorist while she was riding her bicycle in the bicycle lane
on Esplanade Avenue in the City of New Orleans. She named several defendants,
including State Auto Property and Casualty Insurance Company (“State Auto”),
which issued an insuranc e policy providing uninsured motorist coverage to her
father, Phillip Catzen, in Maryland.
1
State Auto filed a motion for summary judgment, arguing plaintiff did not
meet the definition of “family member” under its policy because she was not a
resident of her father’s household in Maryland.2 In support of its motion, State Auto
1 The accident involved several victims and resulted in several consolidated lawsuits. For
purposes of this opinion, we are only concerned with the claims of Penelope Catzen against State
Auto.
2 State Auto’s policy provides, in pertinent part:
01/18/23

2

relied on plaintiff’s deposition, in which she testified she has resided in New Orleans
since 2013. In 2017, she moved to a home on St. Roch Avenue in New Orleans,
where she was residing at the time of the 2019 accident. Plaintiff testified the home
was owned by her partner, and she paid rent to him. She admitted to receiving mail
at this address, using this address to register to vote and to file her Louisiana state
income taxes.
Plaintiff opposed the motion for summary judgment. Relying on her
deposition, she asserted she did not currently own, nor has she ever owned a home
in Louisiana. She also relied on her testimony that she maintained close contact with
her family in Maryland and travels home on average five times per year. When she
travels to Maryland, she stays at her parent’s house in her childhood bedroom.
Additionally, she keeps enough belongings at her parent’s house in Maryland to fill
“a room and a shed ful l” and has no plans to retrieve them. Plaintiff testified she
originally moved to Louisiana when she was “fresh out of college” and had no set
plan for her future in Louisiana. She explained that in the future, she “might live
somewhere else” or be back at her parent’s home in Maryland.
Following a hearing, the district court denied State Auto’s motion for
summary judgment. In oral reasons for judgment, the court explained “I think there
clearly are disputed issues of material fact, and I do think that questions of intent and
motive, current as well as future intentions, are not appropriate for summary
judgment.”

B. “Insured” as used in this Part means:
1. You or any “family member”.

PERSONAL AUTO POLICY
Definitions
F. “Family member” means a person related to you by blood,
marriage or adoption who is a resident of your household. This
includes a ward or foster child. [emphasis added]

3

State Auto applied for supervisory review of this judgment. The court of
appeal denied the writ.
Upon State Auto’ s application to this court, we ordered written briefing
pursuant to the provisions of La. Code Civ. P. art. 966(H).3 Having received briefs
from both parties, w e now review the district court’ s ruling on the motion for
summary judgment on the merits.

DISCUSSION
A ruling on a motion for summary judgment is reviewed under a de novo
standard, with the appellate court using the same criteria that govern the trial court’s
determination of whether summary judgment is appropriate, i.e., whether there is
any genuine issue of material fact, and whether the movant is entitled to judgment
as a matter of law. Guidry v. Brookshire Grocery Co., 19 -1999 (La. 2/26/20), 289
So.3d 1026, 1027; Murphy v. Savannah, 18 -0991 (La. 5/8/19), 282 So.3d 1034,
1038; Wright v. Louisiana Power & Light , 06-1181 (La. 3/9/07), 951 So.2d 1058,
1070.
Pursuant to La. Code Civ. P. art. 966(D)(1), the burden on the party moving
for summary judgment “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 the
absence of factual support for one or more elements essential to the adverse party’s
claim, action, or defense.” Reynolds v. Bordelon, 14-2371 (La. 6/30/15), 172 So.3d
607, 610 –11. When a motion for summary judgment is made and supported, an
adverse party may not rest on the mere allegations or denials of his pleadings, but
his response, by affidavits or as otherwise, must set forth specific facts showing that

3 As required by the article, we permitted the parties an opportunity to request oral argument and
entertained State Auto’s request for argument. After careful consideration, we found oral argument
was unnecessary under the facts of this case and therefore elected to exercise our discretion to
consider the matter on written briefs only.

4

there is a genuine issue for trial. La. Code Civ. P. art. 967(B); Buf kin v. Felipe’s
Louisiana, LLC, 14-0288 (La. 10/15/14), 171 So.3d 851, 858. Once a motion for
summary judgment has been properly supported by the moving party, the failure of
the non-moving party to produce evidence of a material factual dispute mandates the
granting of the motion. Dauzat v. Curnest Guillot Logging Inc ., 08 -0528 (La.
12/2/08), 995 So.2d 1184, 1187 (citing Babin v. Winn– Dixie Louisiana, Inc ., 00-
0078 (La. 6/30/00), 764 So.2d 37, 40).
It is undisputed that plaintiff was not a named insured under the State Auto
policy, nor was she operating an insured vehicle at the time of the accident.
Therefore, the only way she would be covered under the State Auto policy is if she
is a “family member” of Mr. Catzen, the named insured. The State Auto po licy
defines “family member” as “a person related to you by blood, marriage or adoption
who is a resident of your household.” [emphasis added].
The courts typically look at a person’ s p hysical presence in the insured’ s
household as a factor to be considered in determining whether a person was a
covered “resident” under an insurance policy. Carbon v. Allstate Ins. Co., 97-3085
(La. 10/20/98), 719 So.2d 437, 440. The term “household” embraces a collection of
persons as a single group living togethe r under one roof. Miley v. Louisiana Farm
Bureau Cas. Ins. Co., 599 So. 2d 791, 798 (La. App. 1st Cir.), writ denied, 604 So.
2d 1313 (La. 1992). Whether a person is or is not a resident of a particular place is
a question of law and fact, to be determined from all the facts of each particular case,
but mere isolated facts cannot be relied on wholly to determine the question. Taylor
v. State Farm Mutual Auto. Ins. Co., 248 La. 246, 257, 178 So.2d 238, 242 (1965).
Applying this analysis, we find State Auto has satisfied its initial burden on
summary judgment by showing facts which indicate plaintiff was not a resident of
her father’s household in Maryland at the time of the accident. In particular, State
Auto pointed out p laintiff has lived and worked in New Orleans since 2013,

5

approximately six years before the accident. At the time of the accident, she was
residing at an address on St. Roch Ave nue in New Orleans. She received mail at
this address and used it for filing her Louisiana state income taxes , as well as for
registering to vote. Additionally, she provided this address to the officers compiling
the police report after the accident, as well as to medical personnel.
Plaintiff does not dispute any of these facts. However, she contends she keeps
a significant amount of personal belongings at her father’s home in Maryland and
frequently visits her father’s home, at which time she stays in her childhood
bedroom. Plaintiff submits these facts are analogous to those in Bond v. Commercial
Union Assurance Co., 407 So.2d 401, 407 –08 (La. 1981) (on rehearing) , in which
we concluded that a deceased son was a resident of his father’s household even
though he maintained an apartment in a different city.
We find Bond is factually distinguishable . In Bond, the decedent worked
offshore and was required to be on call twenty-four hours a day when at work. As a
result, he rented an apartment in Lafayette in order to be closer to his work.
However, he only kept his work clothes and the “ bare essenti als” for apartment
living in Lafayette . When not on call, the decedent lived at his father’s home in
Alexandria. He had his own key to the house and came and went as he pleased. He
also kept various items of personal property there, including a desk, most of his
clothes, a gun collection, two dogs, stereo and camping equipment and other
personal belongings. Additionally, the decedent received mail at the Alexandria
address, including dividend checks , federal and state tax forms, car insurance
payment notices, and mail from friends.
The unique facts of Bond are not present in this case. While plaintiff testified
she visited her father’s home in Maryland several times during the year, there is no
indication these visits established the same degree of residence as in Bond. See
Hamilton v. State Farm Mutual Auto. Ins. Co., 364 So.2d 215, 218 (La. App. 3
rd Cir.

6

1978), writ denied, 366 So.2d 915 (La. 1979) (“[a]lthough plaintiff did visit in the
home of his parents during this period, we do not co nsider these occasional short
visits as establishing a residency therein and it is clear from plaintiff's own
deposition that such was not his intention. ”). Similarly, plaintiff has presented no
evidence that she keeps only bare essentials in New Orleans. Although she keeps
some possessions at her father’s home , she admitted she left these possessions
because she was unable to fit everything in her car when she moved to New Orleans
in 2013.
Despite these facts, plaintiff submits summary judgment is not appropriate
here because the determination of residence hinges on her subjective intent. She
relies on jurisprudence indicating that the test for residence “is whether the absence
of the party of interest from the household of the alleged insured is intended to be
permanent or only temporary—i.e., whether there is physical absence coupled with
an intent not to return.” Bearden v. Rucker , 437 So. 2d 1116, 1121 (La. 1983)
(quoting Southern Farm Bureau Casualty Insurance Co. v. Kimball, 552 S.W.2d
207 (Tex.Civ.App. 1977)).
The jurisprudence has recognized that a person’s intent to be a resident can be
established by objective means. See Berryhill v. Entergy New Orleans Inc ., 2005-
0005 (La. App. 4 Cir. 8/3/05), 925 So. 2d 12, 15, writ denied, 2005 -2068 (La.
2/10/06), 924 So.2d 168 (“[t]he intention of a person to be a resident of a particular
place is determined by his expressions at times not suspicious, and his testimony,
when called on, considered in the light of his conduct and the circumstances of his
life.”).
In this case, the objective facts indicate plaintiff’s absence from her father’s
Maryland household was not intended to be merely temporary. As discussed earlier,
she had lived and worke d in New Orleans for approximately six years prior to the
accident. She has consistently used her New Orleans address for official purposes,

7

such as registering to vote , and gave that address to authorities after the accident.
Even after the accident, plaintiff continued to manifest her intent to remain in
Louisiana by acts such as obtaining a Louisiana driver’s license, registering her car
in Louisiana and obtaining insurance in Louisiana in 2020. 4 Moreover, in her
petition for damages in this case, s he alleged she is “domiciled in the Parish of
Orleans, State of Louisiana.” By her actions and conduct both before and after the
accident, plaintiff has clearly demonstrated she had no intent to return to a permanent
residence in Maryland.5
We conclude plaintiff has failed to produce any evidence establishing there is
a genuine issue of material fact concerning her residence for purposes of coverage
under the State auto policy. Accordingly, summary judgment in favor of State Auto
is mandated.

DECREE
For the reasons assigned, the writ is granted and made peremptory. The
judgment of the district court is reversed. Summary judgment is hereby granted in
favor of State Auto Property and Casualty Insurance Company , and all claims of
Penelope Catzen against State Auto Property and Casualty Insurance Company are
dismissed with prejudice. The case is remanded to the district court for further
proceedings on the remaining claims.

4 Prior to the instant a ccident, plaintiff made two property damage claims under the State Auto
policy based on damage to her 2013 Subaru Impreza vehicle in New Orleans. She contends that
State Auto paid these claims even though it was obvious both she and the vehicle were located in
New Orleans and it therefore waived any coverage defense it may have had. We see no merit to
this argument. As State Auto points out, the vehicle involved in the accident was a covered vehicle
under its policy, and any claims were governed by the property damage section of its policy, which
does not contain a residency requirement. State Auto’s decision to pay these property damage
claims does not waive any defenses it has under the uninsured motorist provisions of its policy.
5 Notably, plaintiff’s own testimony revealed she had no firm intent to return to Maryland, as she
stated that in the future, she “might live somewhere else” or be back at her parent’s home in
Maryland. While it is certainly possible plaintiff may leave Louisiana at some point in the future,
her actions at the time of the 2019 accident and as late as 2020 revealed no intent to leave the state.