Jerry Kathleen Ballard and James R. Ballard v. State Farm Mutual Automobile Insurance Company and Leslie R. Vincent a/k/a Leslie Vincent Daigle

NOT DESIGNATED FOR PUBLICATION

STATE OF LOUISIANA

119,0111 1A lull W.
11 0 w X11 I

FIRST CIRCUIT

NO. 2023 CA 1344

JERRY KATHLEEN BALLARD AND JAMES R. BALLARD

VERSUS

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY AND
LESLIE R. VINCENT A/K/A LESLIE VINCENT DAIGLE

Judgment Rendered. -

Appealed from the
22nd Judicial District Court
In and for the Parish of St. Tammany
State of Louisiana
Case No. 2018- 13848, Division E

The Honorable William H. Burris, Judge Presiding

Carter B. Wright Counsel for Plaintiffs/Appellants
Covington, Louisiana Jerry Kathleen Ballard and
and James R. Ballard
Robert G. Miller, Jr.
Metairie, Louisiana

Thomas G. Buck Counsel for Defendant/Appellee
Metairie, Louisiana State Farm Fire and Casualty
Company

BEFORE: McCLENDON, THERIOT, AND GREENE, JJ.

a'

THERIOT, J.

This matter is before this Court on appeal by the plaintiffs, Jerry Kathleen

Ballard and James R. Ballard, from a judgment in a suit for damages arising from a

car accident. For the reasons set forth herein, we maintain the appeal in part,

dismiss the appeal in part, and reverse.

FACTS AND PROCEDURAL, HISTORY

On February 8, 2018, Jerry Kathleen Ballard was injured when the parked

car in which she was sitting was struck by a 2016 Toyota RAV 4 driven by Leslie

Vincent Daigle. The Toyota RAV 4 was co -owned by Leslie and her mother,

Kathryn Vincent, and was insured under a policy of insurance issued by State Farm

Mutual Automobile Insurance Company (" State Farm Mutual") to Leslie' s parents,

Kathryn and Jon Russ Vincent.

On August 8, 2018, Jerry and her husband, James, filed a petition for

damages against Leslie and State Farm Mutual. The Ballards later filed a First

Supplemental and Amending Petition, in which they added State Farm Fire and

Casualty Company (" State Farm Fire") as a defendant, alleging that Leslie and the

Toyota RAV 4 were covered under an umbrella insurance policy issued by State

Farm Fire.

The Ballards entered into a Gasquet settlement' with State Farm Mutual, and

on November 5, 2018, the trial court dismissed the Ballards' claims against Leslie

and State Farm Mutual with prejudice, " with plaintiffs reserving all rights to

proceed against all other defendants, named and unnamed, subject to the Restricted

Gasquet General Release and Indemnity Agreement, and with Leslie ... remaining

in the matter as a nominal defendant only."

As part of a Gasquet settlement, plaintiffs can expressly reserve their right to a direct action against a non -settling
excess insurer for damages exceeding the settling primary insurer' s policy limits. See Gasquet v. Commercial
Union Insurance Co., 391 So.2d 466, 471- 72 ( La.App. 4 Cir. 1980), writs denied, 396 So.2d 921 & 922 ( La. 1981).

2

On November 20, 2018, State Farm Fire filed a motion for summary

judgment, seeking dismissal of the Ballards' claims against it on the grounds that

Leslie was not an insured under the State Farm Fire policy on the date of the

accident. State Farm Fire pointed out that pursuant to the terms of the State Farm

Fire policy issued to Leslie' s father, Jon Russ Vincent, in order to qualify as an

insured, a person must be either the named insured shown on the declarations page,

the spouse of the named insured shown on the declarations page, or a relative of

the named insured/ spouse whose primary residence is the named insured' s

household, and at the time of the accident, Leslie had moved out of her parents'

home in Sulphur and lived with her husband in Slidell. The Ballards opposed the

motion for summary judgment. Following a hearing, the trial court concluded that

Leslie was not an insured under the terms of the State Farm Fire policy and granted

State Farm Fire' s motion for summary judgment. Thereafter, the trial court signed

a judgment dated July 16, 2019 that granted State Farm Fire' s motion for summary
judgment and dismissed the Ballards' claims against State Farm Fire as the alleged

insurer of Leslie. The Ballards sought supervisory review of the trial court' s

granting of State Farm Fire' s motion for summary judgment, but this Court denied

the writ. Ballard v. State Farm Mutual Automobile Insurance Co., 2019- 1210, p. I

La.App. I Cir. 1/ 6/ 20), 2020WL59792, * I ( unpublished writ action).

The Ballards filed a Second Supplemental and Amending Petition, in which
they added Leslie' s parents, Jon Russ and Kathryn Vincent, as defendants. The

Ballards' claims against the Vincents stemmed from their entrustment of the

Toyota RAV 4 to Leslie. The Second Supplemental and Amending Petition also

asserted new claims against State Farm Fire, i.e., that State Farm Fire is

contractually obligated to provide coverage for the accident because Leslie and the

Toyota RAV 4 were included in the total number of underlying exposures used to

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calculate the policy premium and that the State Farm Fire policy provides coverage

for the Vincents' entrustment of the vehicle to Leslie.

On November 24, 2020, Leslie, Kathryn, Jon Russ, and State Farm Mutual

filed a motion for summary judgment seeking dismissal of the Ballards' remaining

claims against them. The motion urged that Leslie should be dismissed from the

litigation altogether because: ( 1) pursuant to the terms of the Gasquet settlement

and the November 5, 2018 order of dismissal, Leslie remains in the suit only as a

nominal defendant and only to the extent that she is insured by State Farm Fire or

any other insurer ( other than State Farm Mutual); ( 2) the trial court has ruled ( in

relation to State Farm Fire' s motion for summary judgment) that Leslie is not

insured under the State Farm Fire policy;' and ( 3) Leslie has no other available

insurance which would provide coverage for the accident. The Ballards opposed

the motion, arguing that Leslie should not be dismissed from the suit because the

State Farm Fire policy provides coverage for Leslie and the Toyota RAV 4.

On December 10, 2020, State Farm Fire filed its own motion for summary

judgment, as well as exceptions of prescription and res judicata, seeking dismissal

of the claims asserted against it by the Ballards in their Second Supplemental and

Amending Petition. Additionally, on March 19, 2021, the Ballards filed a motion

to amend the trial court' s July 16, 2019 judgment dismissing certain claims against

State Farm Fire.

A hearing was held on May 5, 2021 on the November 29, 2020 motion for

summary judgment filed by Leslie, Kathryn, Jon Russ, and State Farm Mutual; the

December 10, 2020 motion for summary judgment and exceptions filed by State

2 Only Leslie' s dismissal from the suit is before us in this appeal.

s Despite the movers' assertion that the trial court has already ruled on the coverage issue, the July 16, 2019 trial
court judgment dismissing the Ballards' claims against State Farm Fire as Leslie' s insurer is an interlocutory ruling,
and accordingly, may be revised at any time prior to the rendition of the judgment adjudicating all the claims and the
rights and liabilities of all the parties and is not dispositive of the coverage issue before us in this appeal. See La.
C. C. P. art. 1915; see also Quality Environmental Processes, Inc. v. Energy Development Corp., 2016- 0171, pp. 7- 8
La.App. 1 Cir. 4/ 12/ 17), 218 So. 3d 1045, 1054.

0

Farm Fire; and the Ballards' March 19, 2021 motion to amend the July 16, 2019

More
judgment granting State Farm Fire' s first motion for summary judgment.

than two years after the hearing, a written judgment on these matters was signed by

the trial court. The May 31, 2023 trial court judgment granted in part and denied

in part the motion for summary judgment filed by Leslie, Kathryn, Jon Russ, and

State Fann Mutual; denied the exceptions filed by State Farm Fire; and granted in

part and denied in part the motion for summary judgment filed by State Farm Fire.'

Pertinent to this appeal, the May 31, 2023 trial court judgment granted summary

judgment dismissing all claims against Leslie with prejudice. The May 31, 2023

judgment also granted summary judgment dismissing all claims against State Farm

Fire and the Vincents except " claims of ` entrustment,' other than negligent

entrustment, leaving the sole remaining claims against [ State Farm Fire and the

Vincents] being any claims of `entrustment,' other than negligent entrustment, on

the part of Kathryn Vincent and Jon Russ Vincent."

The Ballards appealed the May 31, 2023 judgment, raising the following two

assignments of error:

1. The District Court committed legal error when it granted [ State
Farm Fire' s] Motion for Summary Judgment dismissing all claims
against [ State Farm Fire], except claims of entrustment, because
there are reasonable interpretations of . . . [ State Farm Fire' s]
umbrella policy under which coverage could be afforded.

2. The District Court committed legal error when it granted [ State
Farm Mutual, Leslie, John Russ, and Kathryn' s] Motion for
Summary Judgment dismissing all claims against Leslie Vincent
Daigle because there are reasonable interpretations of the [ State
Farm Fire] umbrella policy under which coverage could be
afforded.

This Court, ex proprio mote, issued a rule to show cause why the appeal

should not be dismissed, noting that the May 31, 2023 judgment on appeal in this

Although the trial court orally granted the Ballards' motion to amend the July 16, 2019 judgment during the
hearing and stated that it would incorporate the amended rulings from the July 16, 2019 judgment into the judgment
on the other issues before the court at the hearing, the May 31, 2023 judgment does not mention either the motion to
amend or the July 16, 2019 judgment.

5

matter appears to be a partial judgment, but lacks the designation of finality

required by La. C. C. P. art. 1915( B) for purposes of an immediate appeal.

Accordingly, the parties were ordered to show cause by briefs why the appeal

should not be dismissed. The matter was also remanded to the trial court for the

limited purposes of allowing the trial court to: advise in writing whether the May

31, 2023 judgment warrants or needs a La. C. C. P. art. 1915( B) designation; sign a

judgment with a La. C. C. P. art. 1915( B) designation; and, in the event the trial

court supplies a La. C. C. P. art. 1915( B) designation, provide a per curiam to this

Court in which the trial court gives explicit reasons for its determination that there

is no just reason for delay.

In response to this Court' s order, the trial court signed an amended judgment

on March 27, 2024. The amended judgment is almost identical to the May 31,

2023 judgment, except that the amended judgment includes a statement that the

dismissal of all claims against Leslie with prejudice is a " final judgment as to

Leslie." The March 27, 2024 amended judgment contains no designation of

finality regarding the dismissal of some ( but not all) of the Ballards' claims against

State Farm Fire. The trial court also issued a per curiam, stating " the judgment of

May 31, 2023, as it pertains to the Motion for Summary Judgment dismissing all of

plaintiffs' claims against Leslie Vincent is a final partial judgment [ and] [ t]he court

finds no just reason for delay under the Messinger factors." The Rule to Show

Cause was referred to the panel hearing the merits of the appeal.

DISCUSSION

Appellate Jurisdiction

Appellate courts have a duty to examine subject matter jurisdiction sua

sponte, even when the parties do not raise the issue. Quality Environmental

Processes, Inc. v. Energy Development Corp., 2016- 0171, p. 5 ( La.App. 1 Cir.

4112/ 17), 218 So. 3d 1045, 1052- 53. The Louisiana Code of Civil Procedure

0

defines three types of judgments: an interlocutory judgment, which determines a

preliminary matter in the course of an action, but does not determine the merits

La. C. C. P. art. 1841); a final judgment, which determines the merits of the case in

whole or in part ( La. C. C. P. art. 1841); and a partial final judgment, which

disposes of some, but not all, of the issues on the merits, and in some instances

requires a designation of finality by the trial court for the purpose of an immediate

appeal ( La. C. C. P. art. 1915). Different rules govern the appealability of these

three types of judgments. See La. C. C. P. arts. 2083( A), 2083( C), and 1915( B).

As an appellate court, we are obligated to recognize any lack of jurisdiction

if it exists. Quality Environmental Processes, Inc., 2016- 0171 at p. 6, 218 So. 3d at

1053. Our appellate jurisdiction extends to " final judgments," which are those that

determine the merits of the case in whole or in part. La. C. C.P. arts. 1841 and

2083; O' Bannon v. Moriah Techs., Inc., 2017- 0728, p. 6 ( La.App. 1 Cir. 3/ 29/ 18),

248 So. 3d 392, 398- 99. However, a judgment that only partially determines the

merits of an action is a partial final judgment and, as such, is immediately

appealable only if authorized by La. C. C. P. art. 1915. Quality Environmental

Processes, Inc., 2016- 0171 at p. 6, 218 So. 3d at 1053.

Louisiana Code of Civil Procedure article 1915( A) designates certain

categories of partial judgments as final judgments subject to immediate appeal

without the necessity of any designation of finality by the trial court. On the other

hand, La. C. C. P. art. 1915( 8) provides that when a court renders a partial judgment

or partial summary judgment or sustains an exception in part, it may designate the

judgment as final when there is no just reason for delay. Quality Environmental

Processes, Inc., 2016- 0171 at p. 6, 218 So. 3d at 1053. Louisiana Code of Civil

Procedure article 1915 provides:

A. A final judgment may be rendered and signed by the court, even
though it may not grant the successful party or parties all of the relief

VA

prayed for, or may not adjudicate all of the issues in the case, when
the court:

1) Dismisses the suit as to less than all of the parties, defendants,
third party plaintiffs, third party defendants, or intervenors.

2) Grants a motion for judgment on the pleadings, as provided by
Articles 965, 968, and 969.

3) Grants a motion for summary judgment, as provided by Articles
966 through 969, but not including a summary judgment granted
pursuant to Article 966( E).

4) Signs a judgment on either the principal or incidental demand,
when the two have been tried separately, as provided by Article
1038.

5) Signs a judgment on the issue of liability when that issue has been
tried separately by the court, or when, in a jury trial, the issue of
liability has been tried before a jury and the issue of damages is to
be tried before a different jury.

6) Imposes sanctions or disciplinary action pursuant to Article 191,
863, or 864 or Code of Evidence Article 510( G).

B. ( 1) When a court renders a partial judgment or partial summary
judgment or sustains an exception in part, as to one or more but
less than all of the claims, demands, issues, or theories against a
party, whether in an original demand, reconventional demand,
cross- claim, third -party claim, or intervention, the judgment shall
not constitute a final judgment unless it is designated as a final
judgment by the court after an express determination that there is
no just reason for delay.

2) In the absence of such a determination and designation, any such
order or decision shall not constitute a final judgment for the
purpose of an immediate appeal and may be revised at any time
prior to rendition of the judgment adjudicating all the claims and
the rights and liabilities of all the parties.

Accordingly, pursuant to La. C. C. P. art. 1915( A)( 1), a judgment that

dismisses a party from a suit without adjudicating all of the issues in the case ( such

as the dismissal of all remaining claims against Leslie) is a partial final judgment

subject to immediate appeal without the need of the trial court' s certification as

such. Liberty Mutual Fire Insurance Co. v. Harris, 2022- 0429, p. 4 n.3 ( La.App.

1 Cir. 11/ 4/ 22), 355 So. 3d 628, 632 n.3, writ denied, 2022- 01747 ( La. 2! 7/ 23), 354

So. 3d 671. Although the trial court provided a La. C. C. P. art. 1915( B) designation

n

of finality " as to Leslie" in its March 27, 2024 amended judgment, the dismissal of

Leslie from the suit was immediately appealable under La. C. C.P. art. 1915( A)( 1)

and did not require the trial court' s certification in order to be appealable.

Accordingly, the Ballards' appeal of the summary judgment dismissing Leslie

from the litigation is maintained.

The portion of the March 27, 2024 amended judgment that granted State

Farm Fire' s motion for summary judgment in part does not fall within any of the

categories identified in La. C. C.P. art. 1915( A) for purposes of immediate appeal.

Thus, because that portion of the judgment is not final for purposes of an

immediate appeal under the provisions of La. C. C. P. art 1915( A), this court' s

jurisdiction to consider an appeal of the partial grant of summary judgment in favor

of State Farm Fire depends upon whether that portion of the judgment was

properly designated as final pursuant to La. C. C. P. art. 1915( B)( 1). See La. C. C. P.

arts. 1911( B) and 2083.

Louisiana Code of Civil Procedure article 1915( B)( 1) authorizes the appeal

of a partial summary judgment as to " one or more but less than all of the claims,

demands, issues, or theories" presented where the judgment is designated as a final

judgment by the trial court after a determination that there is no just reason for

delay. Absent a designation of finality under La. C. C. P. art. 1915( B)( 1), a partial

summary judgment is not a final appealable judgment and may be revised at any

time prior to the rendition of the judgment adjudicating all the claims and the rights

and liabilities of all the parties. La. C. C. P. art. 1915( B)( 2); Quality Environmental

Processes, Inc., 2016- 0171 at pp. 7- 8, 218 So. 3d at 1054.

On limited remand for the explicit purpose of "[ i] nviting the trial court to

advise this court in writing whether the judgment at issue warrants or needs a La.

C. C.P. art. 1915( B) designation" and " to sign a judgment with a La. C. C. P. art.

1915( B) designation," the trial court issued an amended judgment and per curium

Z

that did not designate the portion of the judgment dismissing some ( but not all) of

the Ballards' claims against State Farm Fire as final and appealable.

Accordingly, those portions of the judgment remain interlocutory and this Court
does not have appellate jurisdiction to consider them. See Simon v. Ferguson,

The Ballards' appeal
2018- 0826, p. 3 ( La.App. 1 Cir. 2/ 28/ 19), 274 So. 3d 10, 13.

of the March 27, 2024 amended judgment granting State Farm Fire' s motion for

summary judgment in part is dismissed.

Summary Judgment

Summary judgment procedure is designed to secure the just, speedy, and

inexpensive determination of every action.' The procedure is favored and shall be

construed to accomplish these ends. La. C. C. P. art. 966( A)(2). After an

opportunity for adequate discovery, summary judgment shall be granted if the

motion, memorandum, and supporting documents 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( A)( 3).

Appellate courts review summary judgments de novo, using the same

criteria that govern the trial court' s consideration of whether summary judgment is

appropriate. Troncoso v. Point Farr Homeowners Association, 2022- 0530, p. 16

La.App. 1 Cir. 1/ 10/ 23), 360 So. 3d 901, 913.

In ruling on a motion for summary judgment, the court' s role is not to

evaluate the weight of the evidence or to make a credibility detennination, but

instead to determine whether or not there is a genuine issue of material fact.

5 Summary judgment procedure is governed by La. C. C.P. art. 966. Louisiana Code of Civil Procedure article 966
was recently amended by 2023 La. Acts. Nos. 317, § 1, and 368, § 1, effective August 1, 2023. This court has
determined that the 2023 amendments to La. C. C. P. art. 966, which expanded the exclusive list of documents that
are considered competent evidence in support of or in opposition to a motion for summary judgment and changed
the duties of parties in supporting and opposing motions for summary judgment, are substantive and therefore
cannot be applied retroactively. See Hawkins v. Hi Nabor Supermarket, LLC, 2023- 0978, p. 3 ( La.App. 1 Cir.
2/ 23/ 24), 387 So. 3d 605, 607; see also La. C. C. art. 6 (" In the absence of contrary legislative expression, substantive
laws apply prospectively only. Procedural and interpretive laws apply both prospectively and retroactively, unless
there is a legislative expression to the contrary."). Accordingly, we will apply the version of La. C. C. P. art. 966 in
effect at the time of the May 5, 2021 hearing to the matter before us. See Hawkins, 2023- 0978 at p. 4, 387 So. 3d at
607.

10

Troncoso, 2022- 0530 at p. 16, 360 So. 3d at 914. A genuine issue is one as to

which reasonable persons could disagree. However, if reasonable persons could

reach only one conclusion, there is no need for trial on that issue and summary

judgment is appropriate. Id. A fact is " material" when its existence or

nonexistence is essential to the plaintiffs cause of action under the applicable

theory of recovery. Any doubt as to a dispute regarding an issue of material fact

must be resolved against granting the motion and in favor of a trial on the merits.

Id. Whether a particular fact in dispute is material can be seen only in light of the

substantive law applicable to the case. Troncoso, 2022- 0530 at p. 17, 360 So. 3d at

914.

The burden of proof on a motion for summary judgment rests with the

mover. La. C. C.P. art. 966( D)( 1). If the mover will not bear the burden of proof at

trial on the issue that is before the court on the motion for summary judgment, the

mover' s burden on the motion does not require him to negate all essential elements

of the adverse party' s claim, action, or defense. Rather, the mover must 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. The burden is on the adverse party to

produce factual support sufficient to establish the existence of a genuine issue of

material fact or that the mover is not entitled to judgment as a matter of law. Id.

The mover on a motion for summary judgment can meet its burden of proof on the

motion by filing supporting documentary evidence consisting of pleadings,

memoranda, affidavits, depositions, answers to interrogatories, certified medical

records, written stipulations, and admissions with its motion for summary

judgment. La. C. C. P. art. 966( A)(4). The court may only consider those

documents filed in support of or in opposition to the motion for summary judgment

and shall consider any documents to which no objection is made. La. C. C. P. art.

966( D)(2).

11

Whether an insurance policy, as a matter of law, provides or precludes

coverage is a dispute that can be properly resolved within the framework of a

motion for summary judgment. Chet Morrison Contractors, L.L.C. v. Spartan

Directional, LLC, 2023- 0981, p. 11 ( La.App. 1 Cir. 6/ 14/ 24), 391 So. 3d 1103,

1111. An insurance policy is a contract between the parties and should be

construed using the general rules of contractual interpretation. Id. Interpretation

of a contract is the determination of the common intent of the parties. La. C. C. art.

2045. When the words of an insurance contract are clear and explicit and lead to

no absurd consequences, no further interpretation may be made in search of the

parties' intent and courts must enforce the contract as written. See La. C. C. art.

2046; Sensebe v. Canal Indemnity Co., 2010- 0703, p. 7 ( La. 1/ 28/ 11), 58 So. 3d

441, 446.

When determining whether a policy affords coverage for an incident, the

insured bears the burden of proving that the incident falls within the policy' s terms.

Intelligent Mortgage & Consulting Services LLC v. Arbor Lending Group, L.L.C.,

2022- 1252, pp. 6- 7 ( La.App. 1 Cir. 8/ 1/ 23), 371 So. 3d 554, 559, writ denied, 2023-

01210 ( La. 11/ 15/ 23), 373 So. 3d 80. An insurance policy, including its exclusions,

should not be interpreted in an unreasonable or strained manner so as to enlarge or

to restrict its provisions beyond what is reasonably contemplated by its terms or so

as to achieve an absurd conclusion. Savoie v. Anco Insulations, Inc., 2020- 0584, P.

4 ( La.App. 1 Cir. 4/ 9/ 21), 322 So. 3d 1264, 1267.

Subject to the above rules of interpretation, insurance companies have the

right to limit coverage in any manner they desire, so long as the limitations do not

conflict with statutory provisions or public policy. Chet Morrison Contractors,

L.L.C., 2023- 0981 at p. 12, 391 So. 3d at 1112. A summary judgment declaring a

lack of coverage under an insurance policy may be rendered when there is no

reasonable interpretation of the policy, when applied to the undisputed facts shown

12

by the evidence supporting the motion, under which coverage could be afforded.

9111

The State Farm Fire policy, which was filed in support of the motion for

summary judgment, provides the following regarding coverage for personal

liability:

COVERAGE L —PERSONAL LIABILITY

If a claim is made or suit is brought against an insured for damages
because of a loss for which the insured is legally liable and to which
this policy applies, we will pay on behalf of the insured, the damages
that exceed the retained limit. The most we will pay for such loss is

the Coverage L Limit of Liability, as shown on the declarations page,
regardless of the number of insureds who may be liable, claims made,
or persons injured.

Thus, according to the provisions of the State Farm Fire policy, in order for State

Farm Fire to provide coverage for claims made or suit brought against Leslie,

Leslie must be an " insured." The State Farm Fire policy provides a definition of

insured" that is applicable throughout the policy, which includes, in pertinent part:

6. " insured" means:

a.
you and your relatives whose primary residence is your
household;

1Y]ou" and " your" is defined in the policy as:

you" and " your"mean the person or persons shown as " Named
insured" on the declarations page. If a named insured shown on the

declarations page is a human being then you and your includes the
spouse of the first person listed as a named insured if the spouse
resides primarily with the named insured.

Accordingly, the determination of whether Leslie is an insured covered under the

State Farm Fire policy is dependent upon the identity of the named insured( s)
shown on the declarations page. Although the State Farm Fire policy was filed in

support of the motion for summary judgment, the declarations page listing the

named insured(s) was not included with the policy. Without the declarations page,

an issue of fact necessarily remains for trial as to whether Leslie was an " insured"

13

under the State Farm Fire policy on the date of the accident, and the trial court

erred in granting summary judgment dismissing all remaining claims against

Leslie.

CONCLUSION

For the reasons set forth herein, the appeal of the March 27, 2024 amended

judgment granting summary judgment dismissing all claims against Leslie Vincent

Daigle is maintained, and the amended judgment is reversed to the extent that it

grants summary judgment dismissing all remaining claims against Leslie Vincent

Daigle. In all other respects, the appeal of the March 27, 2024 amended judgment

is dismissed. The parties are to bear their own appeal costs.

APPEAL MAINTAINED IN PART AND JUDGMENT REVERSED;
APPEAL DISMISSED IN PART.

14

STATE OF LOUISIANA

NO. 2023 CA 1344

VERSUS

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY AND
LESLIE R. VINCENT A/ K/ A LESLIE VINCENT DAIGLE

McClendon, J.,, concurring.

The defendants, Leslie R. Vincent, Kathryn Vincent, John Russ Vincent, and State

Farm Mutual Automobile Insurance Company, offered several exhibits in support of their
motion for summary judgment, including the depositions of Kathryn Vincent and John
Russ Vincent.'
Attached to each deposition was a copy of the personal liability umbrella
policy issued by State Farm Fire and Casualty Company and the renewal certificate
regarding said policy. However, no declarations page was attached to the depositions or

offered in support of the motion for summary judgment.

Admittedly, the renewal certificate contains all the information normally required
of a declarations page, including the policy number, the term of the policy, the policy
coverages and limits, and the underlying exposures. However, it fails to identify any
named insured. More specifically, the renewal certificate has " AT1" directly above John

Russ Vincent's name, but the words " named insured" or " insured" do not appear on said
certificate.
Furthermore, State Farm Fire did not offer an affidavit or deposition to explain
how the certificate identifies John Russ Vincent as the named insured. Without more, a

material issue of fact exists as to the identity of the named insured or insureds under the
State Farm Fire policy. Therefore, I respectfully concur in the result reached by the

majority.

I In light of the Gasquet settlement, the above defendants appeared for the limited purpose of their
motion for summary judgment.