Justia Injury Law Opinion Summaries

Respondent Jennifer Hansen was injured in a motor vehicle accident in late 2007. Four months later, she presented an underinsured motorist (“UIM”) claim to petitioner American Family Mutual Insurance Company (“American Family”), insurer of her vehicle. As proof of insurance, Hansen offered lienholder statements issued to her by American Family’s local agent that identified her as the named insured at the time of the accident. American Family’s own records, however, indicated that the named insureds on the policy at the time of the accident were Hansen’s stepfather and mother, William and Joyce Davis (the “Davises”). In reliance upon the policy as reflected in its own records, American Family determined that Hansen was not insured under the policy and denied coverage. Hansen filed an action against American Family asserting claims for breach of contract, common law bad faith, and statutory bad faith for unreasonable delay or denial of benefits under sections 10-3-1115 and -1116, C.R.S. (2015). Prior to trial, American Family reformed the contract to name Hansen as the insured, and the parties settled the breach of contract claim, leaving only the common law and statutory bad faith claims for trial. The trial court ruled that the deviation in the records issued by American Family’s agent and those produced by its own underwriting department created an ambiguity in the insurance policy as to the identity of the named insured, and instructed the jury that an ambiguous contract must be construed against the insurer. The jury found in favor of Hansen on the statutory bad faith claim, indicating on a special verdict form that American Family had delayed or denied payment without a reasonable basis for its action. The trial court awarded Hansen attorney fees, court costs, and a statutory penalty. American Family appealed the judgment and award of statutory damages, arguing, among other things, that the trial court erred in finding that the lienholder statements created an ambiguity in the insurance contract as to the identity of the insured and that, at the very least, the contract was arguably unambiguous such that the company had a reasonable basis to deny coverage and could not be liable for statutory bad faith. The court of appeals affirmed, finding that the lienholder statements created an ambiguity and that, even assuming American Family’s legal position was a reasonable one, American Family could still be held liable for statutory bad faith. After its reverse, the Supreme Court reversed. Because the insurance contract unambiguously named William and Joyce Davis as the insureds at the time of the accident, the trial court and court of appeals erred in relying on extrinsic evidence to find an ambiguity in the insurance contract, "[a]n ambiguity must appear in the four corners of the document before extrinsic evidence can be considered." Accordingly, American Family’s denial of Hansen’s claim in reliance on the unambiguous insurance contract was reasonable, and American Family could not be held liable under sections 10-3-1115 and -1116 for statutory bad faith. View "Am. Family Mut. Ins. Co. v. Hansen" on Justia Law

Petitioner Salynda E. Fleury brought a negligence and wrongful death suit against respondent IntraWest Winter Park Operations Corporation (“Winter Park”) after her husband was killed in an in-bounds avalanche at its resort. Fleury claimed that, although Winter Park knew that avalanches were likely to occur in the area where her husband was skiing that day, it neither warned skiers about this risk nor closed the area. Winter Park filed a motion for a determination of law under C.R.C.P. 56(h) and for judgment on the pleadings under C.R.C.P. 12(c), arguing that in-bounds avalanches were an inherent risk of skiing as defined in the Ski Safety Act of 1979 (SSA) and that the SSA therefore precluded the lawsuit. The trial court agreed and dismissed the action pursuant to section 33-44-112. The court of appeals affirmed the dismissal in a split decision. The Colorado Supreme Court granted certiorari and affirmed: the definition of “inherent dangers and risks of skiing” in section 33-44-103(3.5), C.R.S. (2015), specifically included “snow conditions as they exist or may change.” This phrase encompassed an in-bounds avalanche, "which is, at its core, the movement, or changing condition, of snow." View "Fleury v. IntraWest Winter Park Operations Corp." on Justia Law

The Colorado Supreme Court accepted this case from the court of appeals because it had granted certiorari in two other cases involving similar issues ("City of Littleton v. Industrial Claim Appeals Office," 2016 CO 25, ___ P.3d ___, and "Industrial Claim Appeals Office v. Town of Castle Rock," 2016 CO 26, ___ P.3d ___). In these cases, the Court interpreted section 8-41-209, C.R.S. (2015), of the Workers’ Compensation Act of Colorado, which provided workers’ compensation overage, under certain conditions, for occupational diseases affecting firefighters. An employer can show, by a preponderance of the medical evidence, either: (1) that a firefighter’s known or typical occupational exposures are not capable of causing the type of cancer at issue, or (2) that the firefighter’s employment did not cause the firefighter’s particular cancer where, for example, the claimant firefighter was not exposed to the cancer-causing agent, or where the medical evidence renders it more probable that the cause of the claimant’s cancer was not job-related. Englewood firefighter Delvin Harrell was diagnosed with melanoma, underwent surgery to remove it, and sought workers' compensation benefits. Englewood sought to overcome the statutory presumption. Because the ALJ and the Panel in this case did not have the benefit of the Supreme Court's analysis in City of Littleton and Town of Castle Rock, it set aside the Panel’s order affirming the ALJ and remanded this case to the Panel with directions to return the matter to the ALJ for reconsideration in light of the "Littleton" and "Castle Rock" decisions. View "City of Englewood v. Harrell" on Justia Law

Littleton firefighter Jeffrey Christ was diagnosed with glioblastoma multiforme (“GBM,” a type of brain cancer). After undergoing surgery, chemotherapy, and radiation, he returned to work, but ultimately died as a result of the disease. He (and later his widow and child) sought workers’ compensation benefits to cover his cancer treatment, asserting that his brain cancer qualified as a compensable occupational disease under the “firefighter statute” of the Workers’ Compensation Act of Colorado. .At issue here was whether Christ’s employer, the City of Littleton, and Littleton’s insurer, Cannon Cochran Management Services, Inc. (collectively “Littleton”), successfully overcame a statutory presumption that Christ’s condition resulted from his employment as a firefighter. After review, the Supreme Court held that the employer, through a preponderance of the evidence, could meet its burden to show the firefighter's cancer "did not occur on the job" by establishing the absence of specific causation. Here, the ALJ applied the statutory presumption and found that Littleton established by a preponderance that Christ's GBM condition was not caused by his occupational exposures. A panel of the Industrial Claim Appeals Office (“Panel”) reversed, concluding that Littleton’s medical evidence was insufficient to overcome the presumption. In a split decision, a division of the court of appeals affirmed the Panel. Because the Supreme Court disagreed with the court of appeals’ interpretation of the breadth of the statutory presumption and of the employer’s burden to overcome the presumption, the Court concluded that the court of appeals erroneously evaluated the medical evidence presented by Littleton and erroneously failed to defer to the ALJ’s findings of fact, which are supported by substantial evidence. The court of appeals' judgment was therefore reversed and the case remanded back to the Panel for reinstatement of the ALJ’s original findings of fact, conclusions of law, and order. View "City of Littleton v. Indus. Claim Appeals Office" on Justia Law

Castle Rock firefighter Mike Zukowski was diagnosed with melanoma. He had three surgeries to remove the melanoma and was then released to return to work on full duty. He sought both medical benefits and temporary total disability benefits under the "firefighter statute" of the Workers’ Compensation Act of Colorado, asserting that his melanoma qualified as a compensable occupational disease. At issue here was whether Zukowski’s employer, the Town of Castle Rock, and Castle Rock’s insurer, the Colorado Intergovernmental Risk Sharing Agency (collectively, “Castle Rock”), could overcome a statutory presumption that Zukowski’s condition resulted from his employment as a firefighter by presenting evidence indicating that Zukowski’s risk of melanoma from other sources was greater than his risk of melanoma from firefighting. After review, the Supreme Court held that the employer, through a preponderance of the evidence, could meet its burden to show the firefighter's cancer "did not occur on the job" by establishing the absence of specific causation. Here, Castle Rock sought to establish the absence of specific causation by presenting evidence indicated that Zukowski's particular risk of developing melanoma from other, non-job-related sources outweighed his risk of developing it from on-the-job, and that an employer could rely on such evidence to overcome the statutory presumption. The Court affirmed the court of appeals and remanded this case back to the ALJ for reconsideration. View "Indus. Claim Appeals Office v. Town of Castle Rock" on Justia Law

The issue this case presented for the Colorado Supreme Court's review stemmed from a medical malpractice action, and whether, as a matter of law, a known suicidal patient admitted to the secure mental health unit of a hospital and place under high risk precautions, could be subject to a comparative negligence defense when the patient attempted suicide while in the hospital's custody. P.W. sued Children's Hospital both individually and as conservator of his son K.W., who was in a minimally conscious state after an unsuccessful attempt to kill himself by hanging while at the Hospital. The trial court granted P.W.'s motion for summary judgment and dismissed the Hospital's comparative negligence and assumption of risk defenses. The trial court also issued an order preventing the Hospital from obtaining K.W.'s pre-incident mental health records. The Hospital petitioned the Supreme Court to review: (1) whether the trial court abused its discretion by precluding discovery of K.W.'s mental health records; (2) whether the trial court abused its discretion by precluding discovery of K.W.'s treating psychiatrist's records when they were a part of a continuing course of treatment that included Children's Hospital; and (3) whether the trial court erred in granting P.W. summary judgment dismissing the comparative negligence and assumption of risk defenses despite evidence K.W. could think rationally and protect himself from harm during the hospitalization. The Supreme Court concluded that the Hospital could not assert comparative negligence or assumption of risk as a matter of law, and that it did not need to address the trial court's discovery order. View "P.W. v. Children's Hospital" on Justia Law

This case concerned the nature of transactions that petitioners, national litigation finance companies, made with tort plaintiffs seeking funds to pay personal expenses while waiting for their lawsuits to settle or go to trial. Plaintiffs usually agreed to pay the companies a sum of money from the future litigation proceeds. By the terms of the agreements, any money the companies give tort plaintiffs were not to be used to prosecute the legal claims. The specific issue this case presented for the Colorado Supreme Court’s review centered on whether the companies’ forwarding of expense money to tort plaintiffs constituted a “loan.” Petitioners contended they were “asset purchases,” but the Colorado Uniform Consumer Credit Code interprets these transactions as loans. The Supreme Court agreed with the UCCC: these transactions are loans. View "Oasis Legal Fin. Grp. v. Coffman" on Justia Law

Respondent Vasilios Haralampopoulos visited the emergency room with severe abdominal pain. After a CT scan revealed a large cystic mass in his liver, Petitioner Dr. Mauricio Waintrub examined Respondent, gave a differential diagnosis identifying four possible causes for his condition, and approved a fine-needle biopsy to determine the nature of the cyst. Petitioner Dr. Jason Kelly performed the procedure, during which Respondent suffered respiratory and cardiac arrest. Normal resuscitation efforts were unsuccessful, and it took over 30 minutes to revive Respondent's heart. Lack of oxygen to his brain left Respondent in a vegetative state. Ten days later, Respondent's family and friends met with doctors to determine why Respondent went into arrest and had such a poor reaction to resuscitation efforts. After the meeting, Respondent's then-roommate and ex-girlfriend Gulsans Akyol Hurd approached Dr. Kelly and asked him whether Respondent's prior cocaine use could have contributed to his injuries. Dr. Kelly responded that cocaine could have contributed to Respondent's resistance to normal resuscitation efforts, but he was not a cardiologist so he did not know. Respondent brought a medical malpractice suit against seven individuals, including Petitioners Dr. Kelly and Dr. Waintrub. Respondent filed a motion in limine seeking to exclude Hurd's statements to Dr. Kelly as inadmissible hearsay not covered by any hearsay exception. The trial court denied the motion in limine, finding that Hurd's statements were made for purposes of diagnosis and treatment under Rule 803(4), and that their probative value was not substantially outweighed by the danger of unfair prejudice under Colorado Rule of Evidence 403. The court of appeals reversed, finding that the trial court abused its discretion by admitting evidence of Respondent's cocaine use. The court held that Hurd's statements to Dr. Kelly were not admissible under Rule 803(4) because the statements were made after Respondent was in a vegetative state and treatment was no longer possible, they were not made for the purpose of diagnosis or treatment. Upon review, the Supreme Court reversed, holding that the court of appeals erred in limiting the scope of Rule 803(4) to statements made for the purpose of prospective treatment. The Rule's plain language applies to "diagnosis or treatment," and while the term "treatment" has a prospective focus, the term "diagnosis" does not. "Here, Hurd's statements were made for the purpose of discovering the cause of Respondent's resistance to normal resuscitation efforts, and were thus admissible under Rule 803(4)." The case was remanded back to the trial court for further proceedings. View "Kelly v. Haralampopoulos" on Justia Law

A bicyclist was attacked by two ranch dogs herding sheep while participating in a mountain bike race. The cyclist and dogs were on federally owned land on which the attack took place, subject to a sheep grazing permit and a recreational use permit. The cyclist sustained serious injuries during the attack. The cyclist and her husband sued the dog's owners, alleging negligence, negligence per se and loss of consortium. They also brought a strict liability claim under Colorado's dog bite statute. The shepherds moved for summary judgment, arguing that: (1) the Colorado Premises Liability Act preempted the cyclist's common law claims; and (2) they were immune from strict liability under the working-dog exemption to the dog bite statute. The district court granted the shepherds' motion. The court of appeals reversed, interpreting the working dog exemption as applicable only when the dog is on the owner's own property. The Supreme Court disagreed and reversed the appellate court: the exemption applied when a dog bite occurs on the dog owner's property or when the dog is working under the control of the dog owner. View "Robinson v. Legro" on Justia Law

Before the Supreme Court in this case, two novel questions of Colorado law: (1) the interaction between various waiver provisions in the Colorado Governmental Immunity Act (CGIA); and (2) whether the "recreation area waiver" of the Act applied to injuries sustained on a walkway adjacent to a public school playground. The plaintiff in this case (a minor child) slipped and fell in a puddle of water that accumulated on a concrete walkway at his public elementary school. As a result of his fall, the child sustained a severe head injury. Upon review of the trial court record, the Supreme Court: (1) reversed the court of appeals to the extent that it held that the consideration of one CGIA waiver provision affirmatively precluded consideration of any alternative waiver provisions; and (2) the recreation area waiver's requirements were not met in this case because the walkway at issue was not itself a "public facility" nor was it a component of a larger collection of items that qualified as a "public facility." View "Young v. Brighton School District 27J" on Justia Law