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209 So. 3d 77
Fla. Dist. Ct. App.
2017
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Background

  • On May 17, 2009 Thomas Dixon (GEICO insured) was struck head-on by Gerardo Alcebo, an uninsured driver later convicted of DUI causing bodily injury; Alcebo and GEICO admitted liability and the trial court determined punitive liability as a matter of law.
  • Dixon sued GEICO for uninsured motorist (UM) benefits and joined Alcebo seeking compensatory and punitive damages; the trial was bifurcated into compensatory and punitive phases.
  • Despite bifurcation, the trial court allowed evidence and argument about Alcebo’s intoxication during the compensatory phase; the judge instructed the jury that punitive damages were warranted because Alcebo drove with BAC ≥ .08.
  • The jury found Dixon sustained a permanent back injury and awarded $970,396.62 in compensatory damages (including $33,600 for future medical expenses and $288,000 for future loss of earning capacity) and $1,000 in punitive damages; judgment against GEICO was entered for UM policy limits of $20,000.
  • GEICO moved for a new trial (arguing admission of DUI evidence during compensatory phase was prejudicial) and for directed verdict/JNOV on future economic damages; motions were denied and GEICO appealed.

Issues

Issue Plaintiff's Argument (Dixon) Defendant's Argument (GEICO/Alcebo) Held
Whether evidence/argument about Alcebo’s intoxication was admissible in the compensatory phase after liability and punitive liability were admitted/decided That evidence was relevant to credibility and to paint defendant’s conduct for compensatory award Evidence of intoxication was irrelevant and unduly prejudicial once liability and punitive liability were conceded; bifurcation counselled exclusion Reversed: admission was an abuse of discretion; DUI evidence in phase one was irrelevant and unfairly prejudicial — new trial on compensatory damages ordered
Whether future medical expenses (Suboxone) were proven with reasonable certainty Suboxone use is a future medical expense tied to accident-related injury; request for five-year supply was reasonable Plaintiff failed to prove causal link or duration with reasonable certainty; award speculative Reversed: insufficient evidence to support future medical expense award; directed verdict/JNOV should have been granted
Whether future loss of earning capacity was proven with reasonable certainty Dixon testified to planned post-retirement hydrostatic-testing work and loss of capacity post-accident, and proposed monthly earnings figure Testimony lacked proof of job availability, wages, and that injury precluded such work; earnings projection speculative Reversed: insufficient evidence to support future loss of earning capacity award
Standard of review for evidentiary rulings and directed verdicts N/A N/A Admission of evidence/new-trial denial reviewed for abuse of discretion; directed verdict reviewed de novo — court applied these standards and reversed where appropriate

Key Cases Cited

  • Swanson v. Robles, 128 So. 3d 915 (Fla. 2d DCA 2013) (evidence of drug/alcohol use is irrelevant and prejudicial in compensatory phase when liability and punitive liability are not at issue)
  • Auto-Owners Ins. Co. v. Tompkins, 651 So. 2d 89 (Fla. 1995) (future economic damages must be shown with reasonable certainty)
  • Fasani v. Kowalski, 43 So. 3d 805 (Fla. 3d DCA 2010) (future medical expenses require proof of need and cost with reasonable certainty)
  • Truelove v. Blount, 954 So. 2d 1284 (Fla. 2d DCA 2007) (mere possibility of future treatment cannot support future medical expense award)
  • Loftin v. Wilson, 67 So. 2d 185 (Fla. 1953) (plaintiff bears burden to prove future medical care and costs with reasonable certainty)
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Case Details

Case Name: Geico General Insurance Co. v. Dixon
Court Name: District Court of Appeal of Florida
Date Published: Jan 4, 2017
Citations: 209 So. 3d 77; 2017 Fla. App. LEXIS 22; 3D13-3005
Docket Number: 3D13-3005
Court Abbreviation: Fla. Dist. Ct. App.
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    Geico General Insurance Co. v. Dixon, 209 So. 3d 77