Knoxville Court Sides With Insurer in Wrongful Death Case: Tennessee Farmers Mutual Insurance Company v. Simmons

In Tennessee Farmers Mutual Insurance Company v. Simmons, a man filed a wrongful death lawsuit after his son was tragically killed in a four-wheeler accident with a motor vehicle. According to man’s complaint, his son was being supervised by a neighbor’s adult daughter at the time of his death. Testimony offered at trial stated the child began operating the four-wheeler without permission after the woman went inside to retrieve a jacket. While the woman was inside, the boy apparently rode the four-wheeler into a nearby street and struck a car that was being driven by an unrelated man. Unfortunately, the child was killed in the collision.

Following the fatal incident, the child’s father filed a wrongful death lawsuit against the property owner, her adult daughter, the property owner’s insurance company, and the driver of the automobile that was involved in the accident. Although the insurer initially defended the property owner at trial, the company sought a declaratory judgment from the court after claiming the child’s accident was not covered under the policy. Due to his interest in the outcome, the child’s father was allowed to intervene in the action. The trial court held a hearing on the matter and ultimately agreed with the insurance company. The court determined that the property owner’s coverage did not extend to the boy’s fatal collision in the roadway. After the father’s post-trial motions were denied, he asked the Court of Appeals of Tennessee, at Knoxville to review the lower court’s decision.

On appeal, the man argued that the trial court failed to make sufficient findings of fact when it determined the four-wheeler was no longer on the woman’s property at the time of the fatal accident and that the court committed error when it ruled in favor of the insurance company because the policy language was ambiguous. The Knoxville court first stated the trial court’s decision should be upheld unless it is in conflict with the preponderance of the evidence. Next, the court said that an insurance policy is a contract and its terms should be construed according to their logical and plain meaning. After examining the language of the insurance policy, the Court of Appeals dismissed the man’s claim that it was ambiguous. Because the policy interpretation offered by the bereaved father was strained and the trial court properly interpreted the plain language requirements for accident coverage included in the policy, the appellate court refused to overturn the trial court’s holding.

The court also dismissed the man’s claim that the trial court made improper findings of fact related to where the accident took place based on the sworn testimony of the only accident witness. Because the record demonstrated that the trial court made sufficient findings of fact regarding where the deadly collision took place, the Knoxville court held that the lower court’s decision was not contrary to the evidence and affirmed its decision.

If you were injured or lost a close family member in a Blount County motor vehicle accident, contact the experienced lawyers at the Hartsoe Law Firm, P.C. To speak with a skilled personal injury advocate about your case, give us a call today at (865) 804-1011.

Additional Resources: Tennessee Farmers Mutual Insurance Company v. Simmons, Tenn: Court of Appeals 2014

Related Blog Posts: Jury’s Comparative Fault Verdict Upheld in Eastern Tennessee Auto Collision Case: Miller v. Moretz, July 16, 2014, Knoxville Injury Lawyer Blog

Tennessee Federal Court Discusses Elements of Premises Liability Claim: Griffin v. Wal-Mart Stores East. LP, July 9, 2014, Knoxville Injury Lawyer Blog